Ike's damage in Kentuckiana still causing problems - wave3.com-Louisville News, Weather & Sports

Ike's damage in Kentuckiana still causing problems

Posted: Updated: Dec 11, 2008 06:09 PM EST
Linda Hyers Linda Hyers

By Charla Young - bio | email
Posted By Mike Dever - email

LOUISVILLE, KY (WAVE) - It's been almost three months since heavy windstorms moved through Kentuckiana and caused massive power outages in the area. Many of our viewers are still struggling with the damage that was left behind. Troubleshooter Charla Young investigated the problem to get results.

Hurricane Ike wreaked havoc on the Louisville area on September 14, 2008, and many WAVE 3 viewers continue to have problems getting their storm damage paid for. After any big storm, insurance companies often send out adjusters to assess your damage. But if the adjuster decides your damage was not caused by the storms, homeowners usually have to face big out- of-pocket expenses. Through our investigation, we've learned you do have options.

Linda and Gary Hyers contacted our Troubleshooter Department about their roof they said was ruined by Ike's high winds. The Hyers called in a roofing company for estimates to fix the problem.

Linda says "they told my husband we had one broken rafter and eight sagging rafters." The total repair estimate was more than $13,000. The Hyers gave the estimate to their insurance company; then, about two months later, the company said it was not going to cover the roof damage, but it would cover damage to the siding, saying the roof damage was caused well before the storm.

The Hyers claim the wind storm caused the damage and said they can't afford to replace the roof on their own. The couple did get about $6,000 from their insurance company for damages, but that's a far cry from the $13,000 damage estimate.

It's a similar story for many still dealing with storm damage. Hundreds of complaints keep rolling into the Troubleshooter Department, many of them fielded by the Kentucky and Indiana Departments of Insurance.

Those agencies are the governing body of insurance companies and have the final word on any storm damage. If you're not happy with what your insurance company is telling you, then you should file an official complaint. The complaint needs to be in writing.

Here's a link to both agencies:

Update:

After this story aired on Dec. 10, Richard Michelson, the owner of Getrisco contacted us. He said every insurance policy has an appraisal clause, and this means you can challenge the amount the insurance company decides to give you.  Michelson is a licensed public adjuster.  For more information, contact him: (502) 299-2631 or www.getrisco.com