"jim" wrote in message ...
TURTLE wrote:
This is Turtle.
I have some wet carpet in a house put there by a tree limb that went through the roof and it was raining. It flooded 3 rooms and
a
hall way and we are talking wet and not just damp. I called State Farm Insurance company and their adjuster came out and looked
at
it and said that they did not replace carpet anymore when a house floods. He told me that the only thing they would do is send
in
their carpet man / not my carpet man and have him remove the carpet and replace the pad and dry the carpet and lay the old
carpet
back down. I told him the carpet has been wet for close to a week waiting on you to look at it and the carpet will not fit back
right and have wrinkles in it after you relay it. He allowed $350.00 for their man to clean and remove the pad and said that all
we
will do. I just had all the carpet replaced and run his ass out of my Rent house. To recarpet the area was $1,750.00 , fix the
roof
, replace one rafter replace the insulation in attic of the area, replace ceilitex ceiling , and shingles was $1,400.00. That
come
to $3,150.00 and i have $250.00 deductiable with exact replacement cost of items in the home. The cost after deductiable would
be
$2,900.00 and they was so nice to just send me $1,200.00. I call about the roof not being fully paid and they said their roof
repairman could have done it much cheaper than $1,400.00. I pay more than $12k a year in premiums and been with them for 20 or
more
years and they will be getting the ax this year but I have some questions here.
1) If you relay Carpet after it has been wet for a week. Will it cause it to wrinkle up? I have seen some relayed on a friend
house like this and it did not fit back right and did wrinkled up in about 3 months. This is where my thoughts are coming from.
2) These State Farm hands that dry and clean the carpet really get all the mole, bugs, whatever out of this carpet ?
3) Is this a good thing to do by relaying the 5 year old carpet on new pad?
4) What is your thoughts on relaying wet carpet ?
TURTLE
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Yey look in the yellow pages and call a pro... thats what you got to do
if you want it done right... and the state farm guys are just messing
with you.. if you have replacement coverage then they should give you
full coverage to replace the stuff.. if its not the same when repaired
then you complain and get them to replace it....
This is Turtle.
I could file on them but the law fees and court cost would have to be paid by me for they made partical payment and not all the way
no pay. If it was No pay they would have to pay court cost and lawyer fees. I had a friend of mine that is a lawyer and sent them a
notice of none payment and they sent back Sue me we don't care. I don't have time to go to court and research this out and i will
just cut their ass off and go with Travelers insurance like i had years ago. They alway did good but State Farm has turned into a
fly by nite outfit i guess. State farm premiums was $12k and Travelers will insure me for $9.5K and will be switching over as the
policys come due. The policy's are all the same. Now my business insurance will be going to another provider but the total cost will
be $9.5K still.
I had heard that State Farm was getting out of the insurance business and going to Financial business like investing in the stock
market and retirement accounts. This is a good way to get out of the insurance business by not paying off on claims. I would like to
thank State farm for waking me up on the cost of the insurance with them verses other provides. I will save $2.5K in the future
every year. It would have been a lot simpler if they just sent me a letter and told me they did not want my business any more.
TURTLE
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