Good points overall, but honestly, even supervisors sometimes just stick to the script. Had a roof leak last year, and despite clear wording in my policy, they kept insisting it was "wear and tear." Took weeks of back-and-forth before they budged. Makes me wonder—has anyone here ever had luck bringing in an independent adjuster or third-party expert to back up their claim? Curious if that's worth the extra cost and hassle...
Honestly, I've wondered the same thing. When we bought our place, everyone warned us about insurance companies playing hardball. Thankfully haven't had to test it yet (knock on wood...), but I'd be hesitant about shelling out extra cash for an independent adjuster unless the claim was pretty substantial. On the other hand, your story makes me think twice—maybe having that third-party opinion upfront could save some headaches later? Tough call.
Yeah, I've been thinking along similar lines. When we had some minor roof damage last year, I debated bringing in an independent adjuster but ended up skipping it to save money. Insurance covered most of it, but I still wonder if we missed out on anything extra by not having that third-party perspective... Guess it's one of those things you don't really know until you're in the thick of it.
"Guess it's one of those things you don't really know until you're in the thick of it."
Yeah, that's exactly it. Had a similar situation with water damage at a property I manage—insurance handled it okay, but later discovered some hidden mold issues they missed. Makes me wonder if an independent adjuster would've caught that earlier... ever had something like that pop up after the fact?
"Makes me wonder if an independent adjuster would've caught that earlier..."
Yeah, that's the thing—insurance companies always seem to miss stuff when it's convenient for them. When I bought my first place, the inspector said everything was fine, but a few months later I found out the roof had some serious issues. Insurance wouldn't cover it because they claimed it was "pre-existing damage." Like, how was I supposed to know? Makes me skeptical about relying solely on their assessments now.
Did you end up having to pay out of pocket for the mold remediation, or did insurance step back in once you pointed it out? I'm curious if anyone's had luck getting insurance to reconsider after initially denying something...
