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Neighbors insurance company says it's an "Act of God" that his gutter hit my car after a rain storm. REALLY? |
I have the same roof and gutter beam and mine didn't come off. I told the insurance company that it has been loose for a while but because I didn't point it out to him, he didn't see it and wind=Act of God. Tell me this isn't a cop-out? Is this really have to be paid out of my pocket or legally are they full of crap? I have the same roof and gutter beam and mine didn't come off. I told the insurance company that it has been loose for a while but because I didn't point it out to him, he didn't see it and wind=Act of God. Tell me this isn't a cop-out? Is this really have to be paid out of my pocket or legally are they full of crap? He's right. Insurance companies always deny claims for no reason. They have no basis to deny the claim. The car was not damaged by an act of god, it was damaged by the gutter. Maybe the gutter was already loose and about to come off, maybe it was manufactured wrong. The problem you will have is you cannot sue the insurance company, you have to sue your neighbor. Your neighbor will then have a claim for bad faith against the insurance company for not covering the claim. The insurance company will settle becuase they can get hit with huge losses with a bad faith claim. That depends on how the gutter beam was torn loose? The insurance company is doing something most of them do, automatically deny the claim, no matter what. Aprox 75% of people take there word for it and it doesn't go any farther. Its in their best interest to do this because they don't have to settle, it costs them nothing to deny the claim. Call a lawyer, sometimes insurance won't even settle untill they lose in court. You can also sue for legal expenses to get your costs for sueing them, back |
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