Columbia Man's Insurance Dispute Points Out Policy Limitations

6 years 3 months 3 weeks ago Wednesday, October 02 2013 Oct 2, 2013 Wednesday, October 02, 2013 2:41:00 PM CDT October 02, 2013 in News
By: Brynne Whittaker, KOMU 8 Reporter
loading

COLUMBIA - Columbia resident Gui DeSouza had a sign on his fence reading "Having insurance is not the same as having State Farm (or having a fence)." The sign was attracting attention along Forum Boulevard, as well as from State Farm insurance and the Woodrail Neighborhood Association.

"I put the sign on the fence very late on Thursday, July 28. I think it was late Thursday, and Friday by noon or 1 p.m.," DeSouza said. "I had four messages on my voicemail from different agents and people that I've never talked to."

A car accident last April on Forum Boulevard left DeSouza's fence missing around 12 feet of wood. The driver is insured by State Farm auto insurance. DeSouza submitted two estimates he received from James Fencing to State Farm for fence repair. One estimate would replace the six feet of missing wood for $350 and the other would replace the whole side of the fence for $1200. DeSouza said the only option he would accept is replacing the whole side of the fence because he didn't want mismatched color in the wood.

"I explicitly said I do not accept the options for the two sections because it's not going to look nice," DeSouza said. "It's equal to fixing a car and not matching the color of the car to the rest of the body."

The owner of Leslie Fencing in Columbia told KOMU 8 News that with most fence replacements or repairs, the new, non-waterproofed wood that would go in the gap would weather to match the older wood in about two to three months.

After several e-mail exchanges, State Farm sent DeSouza a check for $350 to replace the missing fence, but DeSouza refused to deposit the check. State Farm representative Jim Camoriano said the company will not release information about a customer's private claim, but hopes to resolve issues with the homeowner and has made payment for the damage.

A 13-year MU professor of insurance law said in this case, DeSouza is asking for too much.

"This is not normally an insurable event, they said they would repair the fence and if that's what the contract calls for, ‘repair,' that does not mean aesthetically it looks exactly the same. That's too much," Walter Phillips said.

Phillips went on to say to prevent confusion over what types of repairs are covered, consumers should look over their policies closely to see whether aesthetic needs are covered in collision cases. And in this case, it's actually the driver's policy that covers the damage.

DeSouza's neighborhood association sent him a letter on September 18 asking for the removal of the sign. DeSouza said he took the sign down Tuesday because he didn't want the neighborhood association knocking on his door. 

More News

Grid
List
JEFFERSON CITY — Lawmakers in Missouri’s Republican-led state House on Monday voted to ban the use of eminent domain for... More >>
51 minutes ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 9:21:00 PM CST January 27, 2020 in News
JEFFERSON CITY - Senate bill 554, the Missouri Coroner bill, is back on the floor, and Jay Minor is back... More >>
4 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 5:19:00 PM CST January 27, 2020 in News
COLUMBIA - The former owner of Columbia coffee shop Coffee Zone was sentenced Monday to four years in federal prison... More >>
5 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 4:51:59 PM CST January 27, 2020 in News
JEFFERSON CITY -- U.S Secretary of Education Betsy DeVos took the podium at the Missouri State Capitol to speak about... More >>
7 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 2:53:00 PM CST January 27, 2020 in News
COLUMBIA - Paula Schuh, a Columbia business owner, wanted to expand into the medical marijuana industry; but she, and 41... More >>
7 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 2:37:00 PM CST January 27, 2020 in News
COLUMBIA - Yesterday, the sports community suffered as the late, great, Kobe Bryant died at age 41. Bryant was... More >>
8 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 2:06:00 PM CST January 27, 2020 in News
JEFFERSON CITY - Missouri House Democrats met Monday to talk about health care improvements. The House Democrats mentioned several... More >>
11 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 10:28:00 AM CST January 27, 2020 in News
COLUMBIA - Columbia Regional Airport has posted that two United flights,4642 and 4601, are being delayed this morning due to... More >>
12 hours ago Monday, January 27 2020 Jan 27, 2020 Monday, January 27, 2020 9:39:00 AM CST January 27, 2020 in News
JEFFERSON CITY - Fire crews were dispatched to a residential structure fire in the 1000 Block of Laurel Drive on... More >>
23 hours ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 10:19:00 PM CST January 26, 2020 in News
COLUMBIA - Kobe Bryant’s death shocked the nation and left many fans devastated. While mid-Missouri may be halfway across... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 9:24:00 PM CST January 26, 2020 in News
COLUMBIA - Police officers were dispatched to a report of an armed robbery at Domino’s Pizza, I-70 Drive Southwest, Sunday... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 8:56:00 PM CST January 26, 2020 in News
CALLAWAY COUNTY - A judge sentenced a Fulton man to 17 years in prison last week after he admitted to... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 4:59:00 PM CST January 26, 2020 in News
JEFFERSON CITY - A bill that would allow parents to record meetings with their child's educators is moving forward in... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 4:42:00 PM CST January 26, 2020 in News
COLUMBIA - Police are investigating a shooting between two cars, which started at a roundabout on Business Loop 70 Sunday... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 3:07:00 PM CST January 26, 2020 in News
CALABASAS, Calif. - NBC reports Kobe Bryant and daughter Gianna are among nine people who died in a helicopter crash... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 2:22:00 PM CST January 26, 2020 in News
COLUMBIA - Even though he grew up in Kentucky, Braden Tyrer is as big a Chiefs fan as they come.... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 2:21:00 PM CST January 26, 2020 in News
SPRINGFIELD, Mo. (AP) — A former southwestern Missouri fire chief convicted last year of raping a young woman has been... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 1:30:17 PM CST January 26, 2020 in News
LOS ANGELES (AP) — Health officials in Los Angeles County have confirmed a fourth U.S. case of the new pneumonia-like... More >>
1 day ago Sunday, January 26 2020 Jan 26, 2020 Sunday, January 26, 2020 1:24:49 PM CST January 26, 2020 in News
Columbia, MO
Broken Clouds 31°
11pm 30°
12am 30°
1am 29°
2am 29°