sorry, try not to be rude, in my effort to be concise i'm being more confusing.daivey wrote: ↑Oct 10th, 2018 10:53 pmi don't get your story.
you had a basement leak. went through insurance.
then this accident happened, and your insurance said they will increase your premiums if you report it/make a claim/and will drop you?
im so confused.
no wonder why the insurance companies can't talk to you. you can't even put your story together here.
did you tell the insurer that you crashed into your own house?
because im so confused now i don't even know whats going on.
leak in my basement (not my fault), insurance covers it, receives settlement from enercare and returns my deductible
few months later this accident (obviously also not my fault), i report it & they say they will cover it....repairs are in the process when i receive a letter in august saying when my policy comes for renewal they will not renew and are giving me 30 days notice due to the "number of claims" i've had. (that number being 1, and 1 still pending)
So, based on them non renewing me, I start getting quotes for NEW insurance. Quotes are high ($5-7000) if i have 2 claims (leak + accident) in my history, but low ($700) if I have only the 1 (leak) claim.
I go forward with the NEW insurance company saying I only have one claim (leak) since technically the accident claim is not officially a claim because the old insurance co has not paid out.
So now....do you understand this? I don't want to go through the old insurance (even though they still have to cover it) because that means i kinda lied to my new insurance company.
So if the neighbours ins co should be paying I want them to pay.
Hopefully that makes sense....