Customer buys a new 2026 pickup truck. Truck has major mechanical...

Customer buys a new 2026 pickup truck. Truck has major mechanical issues and probably needs a new engine. While at the dealership, there is a hail storm and causes body damage. Dealership said its not their fault and customer files claim and gets a check from insurance company. Truck is still at the dealership this entire time and more mechanical damage is found. Dealership is offering to buy back the truck. Customer hasn't cashed the claim check yet. What should he do with the check? He feels guilty cashing it and wants to cancel the claim (which I know he can't do). See less

Risk Types

personal auto, hail claim

Agent Replies (11)

Agent Reply

Cash it. It’s his money. Dealer is buying back as is. The truck was his when the claim was made.

Agent Reply

Elizabeth McGivney If the check was for total loss he will need to return the check, since the carrier will likely be looking to take the car. If not total loss it’s his check

Agent Reply

I have a customer that has a nightmare claim going on. He had a water loss in September 2024 and the renovation company had to replace the wood floors 2 times due to their error. They made another error (dishwasher was not connected correctly) and a new claim had to be opened. At this point, we brought in ServPro and they did a great job with the mitigation. The rebuild was a disaster. The owner and my client stopped communicating with each other due to more errors (paint job covered all the outlets and was spotty with brush marks), incorrect windows were installed, and ServPro was going to have the guy who did the shitty painting install the customer baseboards. Very little work has been done since July 1 and we are over the 1 year mark now with no end in sight. I contacted ServPro corporate who just had a franchise guy call me and sent an email from the franchise owner disputing the crappy work. I’m at a loss of how to help my client get back to normal. I am tempted to make a TicTok to show the work quality and predicament my client is in. Is there a better ServPro person we should be talking to? My client doesn’t have money for an attorney. Suggestions? See less

Agent Reply

Simple did you pick out the contractor?

Agent Reply

How about using the insurer to put pressure on serv pro? I’m baffled how a water damage claim required new windows but aim sure there more to the story.

Agent Reply

I have a customer that has had a miserable experience with the restoration company after a water claim. The restoration company refinished the wood floors but used 2 different types of finishes on the flooring so the flooring was shiny in some areas and flat in others. They admitted their mistake and said that they would redo the work. Customer spends a another week in hotel while this is being fixed. Customer comes back and sees

Agent Reply

Larin Have the homeowner request a certificate of insurance from restoration company, then file a claim against their insurance company. I write a PD here in Houston. This should all be covered under the restoration company’s insurance or by the restoration

Agent Reply

Lacy Meissner Was it Paul Davis by chance?My sister had horrible experience with them. The work was terrible and they quoted replacement and then refinished the vanity. One of the many issues was the tile guy was asking to many questions about her family if she was

Agent Reply

Prospect owns a home with his brother-in-law. Brother-in-law lives in the home and prospect has his own private residence. Both are on the deed. Property is currently written as a DP-3. I think this should be a HO-3 because brother-in-law resides at the property. Prospect wants to be a named insured because he is on the deed. What is the correct way to write this?

Agent Reply

BIL as named insured on HO3 with prospect listed as additional insured.

Agent Reply

HO3 with BIL listed as primary insured since he lives there. Other guy listed as additional insured since he is also an owner.

Related Insurance Niches

Related Discussions