you're saying it's a NEW TREND for insurance companies to not pay up?

For a lot of things they used to pay for. The insurance company came out and looked at our roof and would only pay for half the roof, the east side because they said the west side had no damage. They are coming up with things they will not pay for. Home insurance has doubled the past five years

yup

for a second, written opinion/estimate. The adjuster is paid by the insurance company and are not on your side.

That said, if the adjuster was being truthful, and the roof can be repaired (no damage to half the roof or whatever), rather than replaced, that's probably in line with your policy coverage and limitations. I'm not taking the side of the insurance company, that's just reality.

Terms are specified and written. Isn't notice required from the company before changing terms?

They just aren't making as much money as they want.

anthropogenic climate change is increasing hurricanes in Florida. Some people know that insurance companies have said that they can't make a profit because of rampant insurance fraud in Florida. Not so many people know that even with the hurricanes and fraud insurance companies were lying about their profits.

https://murraylawgroup.com/blog/florida-insurance-cover-up

MBAs plan to increase profits.

Then have someone you trust review your insurance contract, its exclusions and the denial letter. A bad faith denial of a covered loss can be one of the most expensive mistakes an insurance company can make.

And now your insurance will not pay for it either

More frequent and larger wildfires in the west. More hurricanes and tripical storms. And more tornados and hail storms, and not just the usual places, in areas where it was really rare.

If you are a property analyst or product manager, good chance you recently got fired.

As they pull away or reduce thier footprint in some market and find ways to reduce the cost of claims, the need for these people become less. So to save the combinded ratio, out the door they go. If you go on linkedin you will see these job opportunities are not in demand as much before. The ones that do open up have 100+ applicants. And this doesn't even include everyone applying on indeed.

I'll be taking my Property and Casualty license exam later next month and then work at a brokerage and sell auto insurance. People that need homeowners, BOP or Commercial Property are mainly in riskier areas and all you can do is place them with the very expensive insurance carrier of last resort.

Not in a rural area, which is what happens most of the time. Watching the weather they can tell where the hail is happening, most of the time in rural areas. Not this time

One company I worked for had me do some studies on our footprint in tornado prone zones which included cities. It wasn't good. Our exposure was horrible. Add that re-insurance companies are also pulling back, your standard bread and butter companies are force to do the same.

Who would represent you in fighting the insurance company's decision regarding this claim. Don't take the word of an insurance agent whose job is to sell insurance.

When our house burned down in 2007, our insurance company was refusing to pay full replacement cost--for which we were insured--and what they offered was not enough to pay off the mortgage. We hired a public insurance claims advocate, who negotiated with the insurance company for us, and finally got us what we were owed. He took a % of the additional amount he was able to negotiate, but it was still a lot more than what the insurance company had offered and did enable us to pay off the mortgage. And all the while we were required to make the mortgage payments on a burned down house!

You should at least look into hiring a public advocate before accepting the settlement being offered by the insurance company.

Two public adjuster companies in KS:

Home | Stokes Public Adjusters, LLC https://www.stokesclaims.com/

This second one is based in MO, but they may also be licensed to work in Kansas.

Expert Adjusters | Fair Comp. in Kansas City https://www.adjuster4you.com/