The greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late. With such compelling information the question is when will you preempt the course setting...join the base?

Posted by Vitaly on July 02, 2002 at 13:31:52:

Last year I filed a claim to my insurance company (Safeco) for the hail damage to my house which happened in May 2000. It was declined based on the fact that the claim was made more than a year after the damage. Recently a roofing company inspected my roof and informed me that there was another hail in our area in October 2001. I submitted another claim, which was declined on the grounds that the damage might be from the previous hail. Does anyboy how this "previous disaster" cases are usually treated? What are my best options to move this forward? State insurance commission? Arbitration? Court?
Any ideas would be greatly appreciated.

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: Last year I filed a claim to my insurance company (Safeco) for the hail damage to my house which happened in May 2000. It was declined based on the fact that the claim was made more than a year after the damage. Recently a roofing company inspected my roof and informed me that there was another hail in our area in October 2001. I submitted another claim, which was declined on the grounds that the damage might be from the previous hail. Does anyboy how this "previous disaster" cases are usually treated? What are my best options to move this forward? State insurance commission? Arbitration? Court? : Any ideas would be greatly appreciated.

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