Not going to go into “resolution” details, but I just wanted to update on lessons learned. I would do things differently if I could re-do, and do differently than the suggestions I had.
The only way to be made whole would be NOT to involve your own insurance or your own expense. But there’s other variables, as well as time and sanity.
What I would do if it occurred again:
- Call my insurance. If over deductible, possibly take it even though it’s low borderline size(in this case). Fix everything. Present bill (deductible in this case IF insurance payment taken, otherwise actual repair costs and any diminished value if applicable) to the liable party. Go lower/ not everything if reasonable. Else sue if non-small amount, get lien against house.
The smaller not-at-fault claim from negligent neighbors was something I didn’t count on when setting deductibles. A lower deductible might make sense to intentionally throw a little extra money away to make the edge cases less.
Also, positives from Amica experience:
The independent adjuster they sent was great. They also made available payment approved pretty immediately and no fighting on anything the adjuster included. I did not take payment (maybe should have) as it was not much above deductible.
Negative review of Amica is I think I was lied to that no claim would be against me if I didn’t accept payment, and I could still decide. The terms of HOI says you MUST inform them of any possible claim or any future insurance is basically null and void, so I was under obligation to inform them. I suspect sending the adjuster made it “count” as an actual claim anyways even though they insisted that it would only be a claim if I decided to go through with payment, although of course the value/losses reported is pretty low. I should probably request the insurance claims report from bureau(s) ( is that Clue? ). If I had to do it again, and I had amica, I still would have called them out to look and probably went through with all above and ended up suing in this case.