[StBernard] Arbitration

[Westley Annis]

Gaby,

I don't know what insurance company you have or how your policy reads, maybe

it is hanover cause that company really is bad. But the things they are 
saying about as soon as water touching the fence and the roof those things 
are not covered, I would read the policy again very carefully and maybe see 
a lawyer. You can tell them that according to their thinking, the water that

touched a fence that was on the ground, was destroying property that had 
already been destroyed by the wind. You can't destroy it twice. When it was 
blown down, they should obligated to pay for it at that point. Of course 
they are just trying to get out of paying. And if you just go away, then 
they did get out of paying, fight them. You do have recourse, and it is time

consuming and a real pain, but you may get a lot more out of it in the long 
run. They are hoping you will get tired and give up. Keep trying and good 
luck.


Laurie


>-----------------------------------------------------

>

>	, fences, push the issue, they

>

>	had to blow down before the water could make them float away>>

>

>

>The fence is the problem with us. We are told that the policy states (and I

>cant find that anywhere in print), that as soon as the water touches the

>fence, it is flood, no matter where the fence was, even if it was already

>down.

>In addition, I was informed that the roof, as the water touched it, did not

>have to be covered but was covered because they are trying to help us.

>Well, I dont know about all of that. Sounds like those laws are just in

>favor of insurance companies and now I have to be on my knees and thankful

>for getting a new roof.

>

>Gaby

>