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Save up to $379 on Your Auto Insurance. Compare Quotes from Top Providers Now! Find the Best Deal and Apply! - Adv.
John of Rockville Centre, NY January 27, 2009
John of Rockville Centre NY (01/27/09)
On September 19, 2008, an 82 year old man lost control of his car and crashed into my home. Fortunatley, the driver wasn't hurt and no one was at home when the accident occurred. The home is an 80 year old all brick house. The brick, by the way, is a double brick wall. This prevented the car, which police estimate was traveling approx 35mph, from going through the house. However, the double brick wall was knocked about a foot off the foundation and the foundation was badly damaged. My wife and I have been insured by MetLife for 25 years. Homeowners, auto and life. We have filed 2 minor complaints with our homeowners policy during the last 25 years. We also have their Platinum Policy. We are supposedly covered for everything.
MetLife sent a their Large Claims adjuster to review the damage. As we walked through the house, I got the distinct feeeling that he was minimizing the extent of the damage. The kitchen sustained damage and the basement was badly damaged. I hired an architect and had my regular contractor review the damage. Due to the poor attitude of the adjuster, I hired a Public Adjuster to represent me. Needless to say, MetLife was not happy with this decision. To make a long story short, MetLifes first estimate came in at around 74,000. This estimate was produced soley by MetLife's adjuster who is not an architect or an engineer or a contractor. I have estimates from 2 seperate contractors which both come in around 200,000.
My architect has since filed plans for the repairs with the town and the town has approved them. When we notified MetLife that the plans have been approved, they requested a letter from the buildings supervisor of the town which lists all the mandates and codes used to approve the plans. My architect had never heard of such a request and the town never heard of one either. The town has refused to supply such a letter and has recommended that I hire an attorney because they feel MetLife is jerking me around.
We asked MetLife to hire their own builder to review the damage and come up with a more fair estimate. At first they refused and then finally agreed. Their builder came back with 95,000. Still a long way off from what is needed to do the repairs. There are so many other things that they are nickling and diming me on, they're too many to list here. As a final note, I contacted my insurance agent. A MetLife agent. He came to the house and spent over an hour reviewing the damage. He was embarrassed and angered by the way his company is traeting me. He is trying to do what he can to help.
The physical damage to the home is extreme. The foundation has been badly damaged and a large portion of the double brick wall needs to be replaced. In order to support the double brick wall above the area of repair, the plans call for the removal of the stairway upstairs so that the proper supports can be put in place. Both my architect and the town are not quite sure this will be able to be repaired due the the size and weight of the wall.
Additionally, MetLife has agrred that the kitchen cabinets will need to be replaced. They claim that 4,000 will replace the cabinets I have. I have three independent estimates that range from 20,000 to 25,000. And that's to replace exaxtly what I have now, no upgrades. My finished basement was destroyed and needs to be replaced. The driveway will have to be dug up to replace the foundation. Matthew of Roslindale, MA November 17, 2008
Matthew of Roslindale MA (11/17/08)
While riding my bike I was hit by a motorist running a stop sign who also refused to call me an ambulance. When I contacted the claims agent she was far from compassionate about her insured almost killing me and not following proper accident procedure, indeed made several bizarre and accusing statements about the circumstances of the accident.
As time wore on it became clear that she did not know how to do her job and was not able to get a police report, et cetera and I wound up furnishing most of the documentation of the accident. This went on for a while and despite my submitting piles of forms and documents she seemed never to be able to come to a clear decision. Finally one day she calls and asks me to explain the several estimates and receipts that I sent her so she could send a settlement check. After all was settled she smart mouthed about Next time I should pay more attention at intersections - a totally inappropriate thing to say considering how her insured hit me and I could have been KILLED.
Enough was enough and I got the supervisor on the line and asked her to play back recorded for training purposes conversation I just had with her sniping, disgusting employee. If I am ever in these circumstances again, no matter how minor the damage, I am just going to sue.
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