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Posted by Concerned Policy Holder on June 21, 2002 at 10:58:55:

In Reply to: Re: Bad Faith posted by Sure-Net.com on June 21, 2002 at 08:25:49:

: Many property policies specify that damage must first be sustained to the exterior of the building, e.g., wind, hail, damage to roofing, for interior damage to be covered. This may or may not have had to do with your claim difficulties. It has been my experience that State Farm is fairly lenient on this issue. However, much depends on the individual with whom you are dealing. Bad faith lawsuits are best left to the lawyers to prove, disprove and estimate.

Actually, State Farm initially chalked my problem up to "lack of ventilation" and "greenhouse effect." What it was ultimately proven to be wind driven rain (over time) and a roof that was leaking and installed without permits.

My concern is this. State Farm's own web site states states one should check for:

* Signs of deteroriating plaster or drywall
* If moisture is suspected, contact a professional

Neither was done by the adjuster.

When you state the company "is fairly lenient on this issue," do you mean responding to allegations of bad faith?

And trust me, we are proceeding under the direction of an attorney, as been the case for 2+ years.

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: : Many property policies specify that damage must first be sustained to the exterior of the building, e.g., wind, hail, damage to roofing, for interior damage to be covered. This may or may not have had to do with your claim difficulties. It has been my experience that State Farm is fairly lenient on this issue. However, much depends on the individual with whom you are dealing. Bad faith lawsuits are best left to the lawyers to prove, disprove and estimate. : Actually, State Farm initially chalked my problem up to "lack of ventilation" and "greenhouse effect." What it was ultimately proven to be wind driven rain (over time) and a roof that was leaking and installed without permits. : My concern is this. State Farm's own web site states states one should check for: : * Signs of deteroriating plaster or drywall : * If moisture is suspected, contact a professional : Neither was done by the adjuster. : When you state the company "is fairly lenient on this issue," do you mean responding to allegations of bad faith? : And trust me, we are proceeding under the direction of an attorney, as been the case for 2+ years.

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