I’m glad to see a newspaper that wants to know how the insurance companies have treated it’s customers through the storm. I’m giving you very general information right now, but I can be more specific if you call me. My experience was not too great. I have business insurance with State Farm to cover equipment, liability, accidents, and loss of business due to acts of nature, fire, etc. I called and was told a claims adjuster would call. Never happened. I call my agent no return call. Finally I saw and agent taking photos of what use to be a building that I rented as a clinic. I was directed to a State Farm victims claim tent (in Gardendale) a week after the storm.
They quickly entered my damages, gave me a claim number and a check for $2000 as quick and partial reimbursement. But after that it was a few weeks before the adjuster called and quickly started finding reasons they would not cover. Everyday he would call saying “I’m not sure if it is covered, I will check and get back”. I finally got my agent to return a call and talk with him. I was only claiming about $5k worth of medical equipment out of about $20k that could have been reported, but I got it repaired or had replacements for and did not pass on to insurance.
Additionally, I was closed 5 weeks and had coverage for loss of business. They stated some stipulation in the policy about location and how long my equipment could be at the clinic before coverage was no longer available (90days). I loss about $10k in business for that month and my insurance policy is suppose to cover up to 12 months, yet they paid nothing and sent me a survey asking if I’m satisfied. If you need more info on this or plan to write a story on it. Let me know I will be happy to show how they did a customer that pays on-time every month. I’m pending loosing my business right now as result of “NO COVERAGE”.
