Tree falls on neighbors house, wife buys new SUV, husband buys late model dually, house isn't fixed

Discussion in 'The Okie Corral' started by LEO/Dad, Oct 28, 2015.

  1. LEO/Dad

    LEO/Dad Navy Veteran

    Messages:
    5,229
    Likes Received:
    3,349
    Joined:
    Aug 16, 2009
    Location:
    Illinois
    What the hell is happening to our society? Where is people's priorities? Our community suffered a severe windstorm/thunderstorm this summer. Wide spread city damage, sustained 70 mph winds. Contractors with a good reputation are booked with work. We have seen workers from out of state working from the pickup trucks. My neighbor had a very large tree fall across a corner of his house. Busted several 2 x 8's at the wall studs. Interior walls buckled. The underhang is exposed to the ambient. I asked the neighbor how he was going to get his house repaired, insurance etc. He said it was hard to get a contractor to look at the damage, and that he would probably just do the repair himself. It is now November, winter approaching, and two new vehicles showed up..........My wife tells me this is none of my business and I should just shut up.........It is pretty obvious that the neighbor has received a payout from their insurance, and their priorities were to spend the money on new vehicles, and we will get to the house repair when we can.......I wasn't raised like this, but this I guess is the mindset of a new society.
     
    Last edited: Oct 29, 2015
  2. cowboy1964

    cowboy1964

    Messages:
    30,738
    Likes Received:
    17,638
    Joined:
    Sep 4, 2009
    Location:
    U.S.A.
    This is why you let your insurance company handle things.
     

  3. seanmac45

    seanmac45 CLM

    Messages:
    10,214
    Likes Received:
    18,031
    Joined:
    Apr 13, 2000
    Location:
    Brooklyn, NY
    Same same in the Ghetto. They drive a 40K SUV, with a 10K sound system that you could eat off of the floor. Yet they live in apartments that would turn your stomach just walking into them. Rats, feces, foul body odor are the norm.
     
    TBO, cowboywannabe, kaisooba and 8 others like this.
  4. Bruce M

    Bruce M

    Messages:
    59,816
    Likes Received:
    50,842
    Joined:
    Jan 3, 2010
    Location:
    S FL
    For more than a few people their auto is the priority. Locally we have one of these
    http://www.rentawheel.com/
    because you really have to be seen with cool wheels even if you cannot afford to pay cash for them and do not have credit.
     
    TBO and PBCounty like this.
  5. PBCounty

    PBCounty

    Messages:
    21,192
    Likes Received:
    21,049
    Joined:
    May 11, 2005
    Location:
    Palm Beach County, FL
    Aren't you the guy who was worried about the truck keys the other day?
     
    LEO/Dad likes this.
  6. JoeCitizen

    JoeCitizen

    Messages:
    2,585
    Likes Received:
    3,760
    Joined:
    Nov 16, 2009
    Two years ago I had my roof replaced due to hail damage. They never gave me any money. It went straight to the contractor. I thought the days of trusting people with insurance money was long gone.
     
  7. kiole

    kiole

    Messages:
    11,380
    Likes Received:
    11,407
    Joined:
    Feb 16, 2008
    Be glad your neighbors don't deal drugs and or have a loud barking dog.

    Maybe the insurance company is dragging their feet? Maybe they really can't find a contractor because everyone is booked. Maybe they happened to buy two new cars at the same time.

    Or maybe they decided they don't care and would rather drive a nice car.

    I was raised to mind my own business and not dwell on other peoples affairs. I think your wife has it right.
     
  8. Rotn1

    Rotn1

    Messages:
    12,789
    Likes Received:
    31,282
    Joined:
    Nov 12, 2007
    Location:
    Pennsylvania
    Sir,
    You don't know that.
    You assume that.
    Most insurance companies today won't issue the check without some proof of invoice or proof of repair.
    If you neighbors have a mortgage on their home then the bank will insist the money goes to repairs and protect their loan collateral.
    As well, after a big storm many contractors are booked up, hence the out of state folks coming in.
    There could be a backlog / lead time of many many months for things to get done
    It may not at all be as you think.
     
    Gregg702 likes this.
  9. Resqu2

    Resqu2

    Messages:
    8,686
    Likes Received:
    5,341
    Joined:
    Aug 24, 2007
    Location:
    SouthWest VA
    Yep even our hail damaged car check went straight to the dealer fixing it. Seems like the bank would have a major problem with the OP's story if they hold the mortgage on the damaged house.
     
  10. Diesel_Bomber

    Diesel_Bomber

    Messages:
    9,956
    Likes Received:
    6,937
    Joined:
    Oct 25, 2008
    Your wife is right, mind your own business.

    Edit: Not that I agree with them, they're dumbasses. Or maybe they're perfectly smart/sane people who inherited two new vehicles and are still waiting on the insurance to pay out before fixing their house. Either way, unless you have some kind of stake in the house being repaired, not your problem. Let it go.
     
    Last edited: Oct 28, 2015
  11. *ASH*

    *ASH* FURBANITE

    Messages:
    5,038
    Likes Received:
    5,434
    Joined:
    Jan 12, 2008
    Location:
    I REAP what YOU sow
    I think people mind other people's business to much . folks need to mind their own hen houses
     
    cowboywannabe and kiole like this.
  12. kiole

    kiole

    Messages:
    11,380
    Likes Received:
    11,407
    Joined:
    Feb 16, 2008
    I think it depends. I've had checks come straight to me and some straight to the repair company. Some in my name some in the lien holders name and some in the repair companies name. This is with vehicles and property with liens.
     
    cowboywannabe likes this.
  13. kiole

    kiole

    Messages:
    11,380
    Likes Received:
    11,407
    Joined:
    Feb 16, 2008
    If it was me I'd grab a few beers, a chop saw and some nails and offer to help.
     
    cowboywannabe and droidfire like this.
  14. papershoot

    papershoot

    Messages:
    6,656
    Likes Received:
    6,927
    Joined:
    Jan 2, 2013
    Location:
    Madison, Alabama
    If it was me, I would try to do as much of the repair as I am capable of myself. I kind of enjoy working on my home, except for plumbing. I don't replace my ride until it is ready for the junk yard, or close to it. My wife gets the new cars. I have not bought one for myself in ~20 years.
     
  15. Lazy R

    Lazy R

    Messages:
    4,522
    Likes Received:
    6,805
    Joined:
    Jun 17, 2010
    Location:
    Bitterroot Valley, Montana
    Had a flood in my basement this spring, pipe busted in the wall. Insurance company cut check straight to me. Worked out well, I then paid a contractor for drying everything out and doing some plumbing, then I took it from there and took care of carpet-paint-trim work.
     
  16. waawaaweenie

    waawaaweenie

    Messages:
    1,168
    Likes Received:
    393
    Joined:
    Feb 6, 2012
    Location:
    middle of PRK
    if their house is too cold or wet, they can live in their nice new vehicles
     
    cowboywannabe likes this.
  17. G30SF/F-250

    G30SF/F-250 Pinky Out Platinum Member

    Messages:
    58,023
    Likes Received:
    129,424
    Joined:
    May 27, 2009
    Location:
    PA to LA to NY to FL to IL to VA to GA to OH to FL
    I think the majority here has summed it up........
     
  18. KommieforniaGlocker

    KommieforniaGlocker

    Messages:
    3,859
    Likes Received:
    189
    Joined:
    May 20, 2009

    I am an insurance guy


    My theory

    They're letting the house go, were behind before the incident, and with the like of payments they are using that to buy new rides.


    I can't speak for other places but in California they make check payable to both insured/contractor AND lien holder in some cases.


    How do you know it's their house?


    What if they were long term squatters? and the property is banked owned, one of the thousands that has fallen threw the cracks.


    What if the house title is in the name of a trust or will and in dispute?

    Too many factors that could come into play for the insurance company not to pay out if in fact there was even an insurance company in the first place.


    I would stay out of this one listen to your wife
     
  19. Dr. Bill

    Dr. Bill

    Messages:
    3,245
    Likes Received:
    4,773
    Joined:
    Nov 17, 2007
    Location:
    Colorado
    Some of the advice is to not worry; it's none of your business. However, a certain amount of stuff like this in a neighborhood (homes getting run down) can affect your property value, so I can see your concern.
     
  20. Hines57

    Hines57 Simple Member

    Messages:
    7,425
    Likes Received:
    4,846
    Joined:
    Jan 17, 2001
    Location:
    On the road
    Normal process on an insurance claim for replacement cost policy.
    Adjuster looks at the damage and determines the cost of fixing damages. He may work with a contractor to come up with the price.The estimate is depreciated by age and condition. This is the initial check (ACV payment) that is sent out. Likely around 60% of the total amount. Check is usually made out with the lien holder on it. The bank will hold onto the money and pay the contractor. Once the work is done the insurance company sends out the rest of the money (RCV payment).

    If it is under a certain amount the insurance company may send out the full amount just to be done with it. There are variations on it works, but this is fairly standard.

    The bank and the insurance company have a vested interest in seeing the work done, so they usually make it fairly difficult to use the money for something else.