California E&S Insurance

I've had USAA pay out non-totaled claims (hail damage) and yes we needed to submit paperwork showing we contracted for a replacement to get the full payout. There are some limits on how long you can let a claim sit. They extended our hail damage one when I asked, because getting anyone scheduled to fix it (or heck, to quote it) was... problematic. But they still wanted a date I'd have it by and it was clear just chain extensions were not a game they'd play. You can try to fight them over the claim. There are independent adjusters/vultures who'll descend after a large scale event (... hail damage for me). But most of them want you to have the work done by their people, so you give up any choice in quality of work and just have to hope the work is good. We sent them packing when they came post-hail. I did try to push USAA to cover damage to the cedar siding, but they wouldn't. That said, roofers were very surprised USAA covered the whole roof as most other insurers were only covering the south and/or west facing portions. I'm probably better off they covered whole roof rather than partial roof partial siding, so... no complaints? Also, I'm midwest, not CA, so YMMV because state rules vary.

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  "thread_title": "Advice for LA Fire Insurance Settlement",
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