Saturday 5th of May 2018 09:28:08 PM
After hurricane Mathew hit our home in North Carolina, we promptly had an inspection done on our roof after our tenants noticed water running down the walls of the home. We were informed that a few shingles were missing, there was a hole in the plywood, and that the sand on the shingles was off. Foy's Roofing Company explained that it looked more like hail damage than wind damage, however the shingles that were missing was from the hurricane. He also explained that the holes in the roof was more than likely made by the hail caused the water to run inside and damage the walls inside the home. We them proceeded to call and make a claim with Foremost, and received a quick response.After the adjustor went out and looked at the damage, and made the call that the roof was completely destroyed, but we were not going to like the news. He then proceeded to tell us that Foremost will not pay but a small portion to have it fixed, and also explained that they will not pay for the inside for the house because it was hurricane related and the roof was from a previous hailstorm. We could make two claims if we choose. My husband tried to explain that even though there was no shingles missing from the valley that it was leaking from, that the hail could have possible cracked the flashing underneath, he was not listen to that claim.At this time we were under the impression that our deductible was 500 dollars as stated on our policy. This obvious was not the case, and we were told there was changes done to our policy (that was in small print) that we now owed a percentage. Our deductible went from $500 to $5300, that was just for the roof to get fixed, and we were told that Foremost was taking their portion, deducting the depreciation cost, and the $5300 from their estimate they come up with then we would receive a check. A total replacement of the just the roof will cost us $9800 Foremost has given us $1598 for the repair of the whole roof, and the inside will cost us out of pocket at $3000. We are so disgusted and disappointed by Foremost, and believe we have certainly been taken advance of by this company.I believe this insurance fraud at it finest, and at a time like this it makes it even harder to fathom there is people out there that would intentionally steal people's money. We are former military, and have several friends getting ready to rent their homes out, I have given them different companies other than Foremost, Farmers and Nationwide, to use for insurance to keep them from getting take advantage of.