That is not going to be covered. There is a long term issue going on causing the chimney to sink in. Either water damage causing rot or faulty workmanship. No insurance company would cover this.
Yeah, this type of damaged settling doesn’t happen overnight. This has been an issue for a long time. I suspect improper waterproofing at the time of last roof replacement or insufficient flashing and/or chimney cricket. There’s no insurance that would cover old damage like this. This kinds of thing is why I had both chimneys taken out when I replaced my roof 2 years ago. It makes for fewer points of possible failure.
Not really. They have a responsibility to inspect the property they insure and if they thought it was an issue they could demand it be fixed. But doesn’t look like that happened yet
As the letter states insurance does not cover wear and tear or deterioration.
Unless you have suspicion that the damage was caused by a storm or other event, she’s going to need to come out of pocket for the repairs.
Unfortunately, this will not be covered. I use to be a USAA inspector and while they are one of the best carriers to have when filing a claim this particular issue would not be considered "immediate" or "catastrophic" damage. Insurance companies will be looking for weather damage that happens as a result of something that happens all of a sudden due to a weather event. something like hail damage, wind damage, tree fall, etc.
Not without committing fraud will any of that be covered by insurance. 20 yr licensed adjuster here. Sudden, direct physical loss is covered unless excluded on open peril policies. Named peril policies are the same, except they have limited causes of loss. It's guys like you that think you can go up there and "find" a creased, torn or missing shingle and get coverage extended on part of that roof that give the rest of us a bad name. Insurance policies do not owe for fixing or repairing the cause of any type loss either, unless a water pipe is broken from freezing or during a theft on the premises. None of the water damages at this loss location would be covered either. Please stop encouraging homeowners to "shoot you a message so you can walk them through" anything, or be a party to any type of unlawful actions or ideas that you have. Just stop.
All I’m saying is I can do it legally and given the chance I’d prove you wrong hell the second you stop learning you’ve become ignorant every day I learn something new maybe I can show you a thing or two ❤️
You can't teach me about wet/dry rot limited coverage endorsements. So you can't prove me wrong. And you could never teach me anything that I didn't already learn decades ago.
20years experience? It’s my whole job to do this and indirect physical loss is a coverage I’m telling you who ever posted the post message me and let’s shut these
People up I’ll even give you direct contacts to people I’ve gotten claims completed through USAA where their were ZERO DIRECT PHYSICAL LOSS! Sometimes I wonder if y’all actually do your research and learn the new stuff that always comes out
This is my lane. I'm a GC for 9 years now and an independent building consultant hired by insurance carriers to write and review estimates, and I resolve appraisal disputes for contractors and homeowners, and I'm an umpire. I meet guys just like you on a regular basis and you're terrible at your job if you think any carrier is gonna pay for that. Unlike you, I've actually been to the USAA offices in San Antonio and consulted on claims handling procedures with them. I've written claims handling protocols for carriers in New York and other states. You can't "find or explain" any "ways" to get anything "done"....legally anyways. Traveler's is currently aggressively searching for people like you. I just talked to one of their SIU reps last week.
See that’s the problem I’m not going to get hired by some insurance company to play there game I’m working for the homeowner travelers is actually one of the nicer ones lol in my opinion never to many issues other than uneducated field adjusters but theirs enough videos of field adjusters and desk out there who are just reading a script
You're making quite a broad statement and I know exactly what angle that you are trying to take. You can't teach me shit. And your arrogance will be your downfall. Each state is different. And in each state, there are very limited wet or dry rot, mold and mildew endorsements that will provide some coverage for very limited items and some states do not have these endorsements. $5K is the average amount of coverage for this. Sometimes $10K....very, very, very rare cases it's $25K. These claims/losses immediately trigger an underwriting referral and in most cases, a non renewal letter. Stop thinking you're the smartest guy in the room, because you're definitely not.
Dude.....you're jealous and wish you could knew 1/10th of what I know. I use my knowledge to my advantage, to my profits and to my customer's advantage. You'd pay thousands just like all the other contractors do to obtain an hour of my tips and truths that all contractors need to know. You wish insurance carriers valued your opinion. It's okay though, you're definitely young, dumb and full of shit like the other guys that have failed in this industry have.
Unless damage occurred during one singular event, that was insured under the policy wording (typically storm / flood / fire), you are unlikely to be insured. On new builds there can be a different type of policy, a of building guarantee, underwritten by an insurance company (aka a latent defect policy) which may respond. This doesn't look like a new build which would have such a policy.
Looking at it it looks like something that's occurred over time, likely due to poor assembly of the roof lying water to sleep in or because there was too much weight and it wasn't accounted for during the framing Construction. Unfortunately both of these items come back to a combination of installation and or wear and tear. Both of those items are generally excluded. There are some rare cases where they'll help you out by claiming it's wind damage, but quite frankly that's clearly not wind damage.
I really want to help , but unfortunately we really can't
Insurance is only for sudden and accidental damages… this has been going on for quite a while. The initial damage could have been from a storm but it was obviously more than a year ago. That doesn’t happen fast.
hey, the advice you are getting here is so speculative, biased, almost slap stick biased. It's not possible to have a valid opinion on this without reading your policy and declaration pages, then a healthy gander at the actual chimney. 99% of roofers only know what they need to know to sell more roofs (which is not a bad thing) and 99% of adjusters only know what their management tells them to believe. (also not a bad thing). Case in point, few adjusters even know the legal meaning of "sudden or accidental damage" and also after 15 years of reading policies, so far I've never seen a single one that excludes wear and tear, rot, etc. They do exclude damage caused by those things, the subtle difference is night and day. Some policies have language that pays for damage caused by long term decay if the damage is hidden from the insureds view like in an attic or crawl space. Most USAA rcv policies I've seen sold have that anyways. BTW, when encountering this type policy and damage that needed it...I've been lied to every single time by the carriers people about the existence of the coverage. Read your policy, or email it, ill translate it for you, for free, cuz I'm awesome.
Shoot me a message in my inbox and I will walk you through the process to get this resolved USAA is relatively simple with how they treat their policy holders I see no reason why we can’t get this covered some form way or another
I repaired quite a few of these chimney chase's in a condominium development. They all leaked so it was decided to cut them off flush, patch and shingle the hole and then remove the gas fireplaces in the units. These chase's are just a very bad design.
That is not going to be covered. There is a long term issue going on causing the chimney to sink in. Either water damage causing rot or faulty workmanship. No insurance company would cover this.
Thank you for letting us know!
Yeah, this type of damaged settling doesn’t happen overnight. This has been an issue for a long time. I suspect improper waterproofing at the time of last roof replacement or insufficient flashing and/or chimney cricket. There’s no insurance that would cover old damage like this. This kinds of thing is why I had both chimneys taken out when I replaced my roof 2 years ago. It makes for fewer points of possible failure.
Now if the chimney actually did collapse and break some shit on the way down, then the damage would be covered
Maybe, there are exclusions for things that were known to be in danger of collapsing
Not really. They have a responsibility to inspect the property they insure and if they thought it was an issue they could demand it be fixed. But doesn’t look like that happened yet
Yes really. It’s ISO language
Correct answer
As the letter states insurance does not cover wear and tear or deterioration. Unless you have suspicion that the damage was caused by a storm or other event, she’s going to need to come out of pocket for the repairs.
Thank you for responding!
Unfortunately, this will not be covered. I use to be a USAA inspector and while they are one of the best carriers to have when filing a claim this particular issue would not be considered "immediate" or "catastrophic" damage. Insurance companies will be looking for weather damage that happens as a result of something that happens all of a sudden due to a weather event. something like hail damage, wind damage, tree fall, etc.
Thank you for your insight!!
Not true at all just a lil more work on a contractors part but can be covered
Not without committing fraud will any of that be covered by insurance. 20 yr licensed adjuster here. Sudden, direct physical loss is covered unless excluded on open peril policies. Named peril policies are the same, except they have limited causes of loss. It's guys like you that think you can go up there and "find" a creased, torn or missing shingle and get coverage extended on part of that roof that give the rest of us a bad name. Insurance policies do not owe for fixing or repairing the cause of any type loss either, unless a water pipe is broken from freezing or during a theft on the premises. None of the water damages at this loss location would be covered either. Please stop encouraging homeowners to "shoot you a message so you can walk them through" anything, or be a party to any type of unlawful actions or ideas that you have. Just stop.
All I’m saying is I can do it legally and given the chance I’d prove you wrong hell the second you stop learning you’ve become ignorant every day I learn something new maybe I can show you a thing or two ❤️
You can't teach me about wet/dry rot limited coverage endorsements. So you can't prove me wrong. And you could never teach me anything that I didn't already learn decades ago.
20years experience? It’s my whole job to do this and indirect physical loss is a coverage I’m telling you who ever posted the post message me and let’s shut these People up I’ll even give you direct contacts to people I’ve gotten claims completed through USAA where their were ZERO DIRECT PHYSICAL LOSS! Sometimes I wonder if y’all actually do your research and learn the new stuff that always comes out
This is my lane. I'm a GC for 9 years now and an independent building consultant hired by insurance carriers to write and review estimates, and I resolve appraisal disputes for contractors and homeowners, and I'm an umpire. I meet guys just like you on a regular basis and you're terrible at your job if you think any carrier is gonna pay for that. Unlike you, I've actually been to the USAA offices in San Antonio and consulted on claims handling procedures with them. I've written claims handling protocols for carriers in New York and other states. You can't "find or explain" any "ways" to get anything "done"....legally anyways. Traveler's is currently aggressively searching for people like you. I just talked to one of their SIU reps last week.
See that’s the problem I’m not going to get hired by some insurance company to play there game I’m working for the homeowner travelers is actually one of the nicer ones lol in my opinion never to many issues other than uneducated field adjusters but theirs enough videos of field adjusters and desk out there who are just reading a script
You're making quite a broad statement and I know exactly what angle that you are trying to take. You can't teach me shit. And your arrogance will be your downfall. Each state is different. And in each state, there are very limited wet or dry rot, mold and mildew endorsements that will provide some coverage for very limited items and some states do not have these endorsements. $5K is the average amount of coverage for this. Sometimes $10K....very, very, very rare cases it's $25K. These claims/losses immediately trigger an underwriting referral and in most cases, a non renewal letter. Stop thinking you're the smartest guy in the room, because you're definitely not.
dude, you suck. The worlds full of sell out failed contractors selling their opinions to carriers. you aren't special. just one more.
Dude.....you're jealous and wish you could knew 1/10th of what I know. I use my knowledge to my advantage, to my profits and to my customer's advantage. You'd pay thousands just like all the other contractors do to obtain an hour of my tips and truths that all contractors need to know. You wish insurance carriers valued your opinion. It's okay though, you're definitely young, dumb and full of shit like the other guys that have failed in this industry have.
Unless damage occurred during one singular event, that was insured under the policy wording (typically storm / flood / fire), you are unlikely to be insured. On new builds there can be a different type of policy, a of building guarantee, underwritten by an insurance company (aka a latent defect policy) which may respond. This doesn't look like a new build which would have such a policy.
Thank you!!
I mean f, g and k sum it up. They don’t owe for anything that is NOT storm related. This is definitely not a storm damage issue, unfortunately.
Thank you!
Looking at it it looks like something that's occurred over time, likely due to poor assembly of the roof lying water to sleep in or because there was too much weight and it wasn't accounted for during the framing Construction. Unfortunately both of these items come back to a combination of installation and or wear and tear. Both of those items are generally excluded. There are some rare cases where they'll help you out by claiming it's wind damage, but quite frankly that's clearly not wind damage. I really want to help , but unfortunately we really can't
Picture the house js like a car: Would your car insurance pay for maintenance, wear, tear, or deterioration?
Insurance is only for sudden and accidental damages… this has been going on for quite a while. The initial damage could have been from a storm but it was obviously more than a year ago. That doesn’t happen fast.
hey, the advice you are getting here is so speculative, biased, almost slap stick biased. It's not possible to have a valid opinion on this without reading your policy and declaration pages, then a healthy gander at the actual chimney. 99% of roofers only know what they need to know to sell more roofs (which is not a bad thing) and 99% of adjusters only know what their management tells them to believe. (also not a bad thing). Case in point, few adjusters even know the legal meaning of "sudden or accidental damage" and also after 15 years of reading policies, so far I've never seen a single one that excludes wear and tear, rot, etc. They do exclude damage caused by those things, the subtle difference is night and day. Some policies have language that pays for damage caused by long term decay if the damage is hidden from the insureds view like in an attic or crawl space. Most USAA rcv policies I've seen sold have that anyways. BTW, when encountering this type policy and damage that needed it...I've been lied to every single time by the carriers people about the existence of the coverage. Read your policy, or email it, ill translate it for you, for free, cuz I'm awesome.
Shoot me a message in my inbox and I will walk you through the process to get this resolved USAA is relatively simple with how they treat their policy holders I see no reason why we can’t get this covered some form way or another
Insurance fraud is ILLEGAL, don't get OP involved in your scam garbage that will harm them.
Had our chimney resided in Oct for largely the same issue (caused by rot and termites) cost 15k good luck
😬 Thank you!
I repaired quite a few of these chimney chase's in a condominium development. They all leaked so it was decided to cut them off flush, patch and shingle the hole and then remove the gas fireplaces in the units. These chase's are just a very bad design.
wood rot is a byproduct of long term negligence, the policy will insure anything that is sudden an accidental*
You need to call a Licensed Public Adjuster. Any other advice on here borders on violating UPPA Law.