Do I have a case? House fire lost everything insurance won't pay.?

My wife and I have 4 children. My home burned down due to a dryer fire 1.5 years ago. The insurance company said they dispatched someone and they were on their way with a check for $10,000 while the fire was still smoldering. What a relief...not so fast, They called back 20 minutes later and claimed we were cancled due to a check that bounced a couple weeks earlier. So I called back and spoke to a representitive and he said if I made a payment right away we would be covered and caught up til the end of the month. I paid by credit card over the phone. What a relief right? not so fast. The company turned around and said we were covered all month long except on the day of the fire. Now they are sending me bills and it is affecting my credit because I haven't paid them since. We feel like we have been raped. We had a $100,000. policy and now they claim my phone was disconnected and this is why they did not notify us that our policy was cancled. They even sent out ann adjuster to take pics.

Sue their asses. Seriously.

Get a good lawyer and go after them, even if you were in the wrong, most jury's will side with the little guy instead of the big-bad insurance company. What will happen is your insurer's Errors and Omissions insurance (a type of reinsurance) will probably do some interviews with their company and decide to settle with you out of court.

get a lawyer...that is not legal...I am an insurance claim representive...

talk to a lawyer. insurance companies are satan incarnate. it takes an act of God to get them to pay anything.

Yes, you have a case. Even a verbal agreement (with the agent you spoke to on the phone) holds value. Besides, how could they say you weren't covered for just that one day?

Big companies like this will always start out by denying you everything. They only give what they have to. All you have to do is push.

You need to get in touch with a public adjuster in your area.Insurance companies hate them because they work for you.They may be able to help or further investigate the situation for you.They dont get paid untill the insurance company pays you.They will not take your case unless they are sure you have one.A public adjuster will get you the most money for your fire.

I hate insurance companies. Greedy, worthless, useless entities. The one post said it....satan incarnate. They take your money and produce nothing in return.

Get a lawyer. Gather ALL your documentation, names, dates, times, everything. Proceed to prosecute the insurance company to the fullest extent of the law.

They don't deserve your money, or anyone else's in my opinion.

You MAY have a case, but the "bounced check" thing may sink your case...

I believe you do have a case. They said themselves that they would cover you if you made a payment right away on that bounced check. That is the one thing that might hurt you but a good attorney will get you out of that. Sue them for not paying up and tack on lawyer fees also.