Quote:
Originally Posted by fotze
'look at your place too many times' What does that mean?
|
One of the hail storms caused a bunch of grit to come down my downspouts off my nearly brand new roof and a couple chunks of stucco came off the side of my house. I figure, I'll call insurance, make sure everything is good, after all that's what I have it for. The came out, said the roof was fine and the stucco wouldn't be covered. So I say, ok, no problem.
For Meloche Monnex that counts as an "occurrence". And 3 losses or "occurrences" in 3 years, and they won't renew you. So one claim for my famous break-ins, one claim from the hail last year, one visit from the other monster hail storm, and I'm toast.
Basically save up all your damage and wait until your house is so trashed that it's worth claiming the next time a big storm rolls though. Oh wait. That's fraud. You get dropped for that too.
Just saw this on another forum, sounds like a phone call alone can screw you: "The workaround here is to talk to customer service and establish whether something is covered before talking to the claims department. They confessed to me that as soon as you talk to claims it's on your record and counts, even if they don't actually come out or pay anything."