Columbia Man's Insurance Dispute Points Out Policy Limitations

5 years 5 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 - Community organizers rallied at the state capitol Tuesday to oppose legislation adding work requirements to some government... More >>
22 minutes ago Tuesday, March 26 2019 Mar 26, 2019 Tuesday, March 26, 2019 3:05:00 PM CDT March 26, 2019 in News
CHICAGO (AP) — Attorneys for "Empire" actor Jussie Smollett say charges alleging he lied to police about an attack have... More >>
4 hours ago Tuesday, March 26 2019 Mar 26, 2019 Tuesday, March 26, 2019 10:33:00 AM CDT March 26, 2019 in News
COLUMBIA - The City of Columbia Public Works Department is seeking community input on plans to upgrade and install cameras... More >>
7 hours ago Tuesday, March 26 2019 Mar 26, 2019 Tuesday, March 26, 2019 8:03:00 AM CDT March 26, 2019 in News
Missouri State Representative Rebecca Roeber was taken to the hospital with serious injuries Monday after a Morgan County car crash.... More >>
17 hours ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 10:09:00 PM CDT March 25, 2019 in News
JEFFERSON CITY - Monday marked the first day Missourians could apply for Real IDs -- federally compliant IDs. Missouri... More >>
19 hours ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 8:00:00 PM CDT March 25, 2019 in News
COLUMBIA - Battle High School students are taking a new math class, and it doesn't involve just sitting in a... More >>
19 hours ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 7:33:00 PM CDT March 25, 2019 in News
COLUMBIA - The University of Missouri filed an appeals brief with the NCAA appeals committee. In the brief, Mizzou... More >>
21 hours ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 6:12:00 PM CDT March 25, 2019 in Sports
COLUMBIA - The federal government's ban on bump stocks goes into effect Tuesday, making Monday the last day to legally... More >>
21 hours ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 5:31:00 PM CDT March 25, 2019 in News
COLUMBIA - Election candidates met Monday for another round of public talks, this time focusing on policies, accessibility and accommodations... More >>
23 hours ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 4:22:00 PM CDT March 25, 2019 in News
JEFFERSON CITY- State representatives gathered Monday to announce the introduction of the Missouri First Step Act later this week. ... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 3:04:00 PM CDT March 25, 2019 in News
COLUMBIA - Four more people have joined the list of people suing MU Health Care doctors and the Curators of... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 2:35:00 PM CDT March 25, 2019 in News
COLE COUNTY - The Cole County Sheriff's Office said they seized $20,000 in illegal steroids during a traffic stop Sunday... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 1:25:00 PM CDT March 25, 2019 in News
JEFFERSON CITY -Authorities are investigating the cause of a fire at a business in Jefferson City. Firefighters went to... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 12:17:00 PM CDT March 25, 2019 in News
JEFFERSON CITY, Mo. (AP) — The Missouri Department of Revenue is now offering licenses and identifications that comply with stricter... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 10:52:00 AM CDT March 25, 2019 in News
IOWA CITY - In the Regional Finals of the Women's NCAA Tournament, the Mizzou Tigers lost to the Iowa Hawkeyes... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 12:22:10 AM CDT March 25, 2019 in Sports
MOBERLY - A woman was arrested in Moberly Saturday evening for driving while intoxicated with two children in the car,... More >>
1 day ago Monday, March 25 2019 Mar 25, 2019 Monday, March 25, 2019 12:02:00 AM CDT March 25, 2019 in News
Missouri forward Jontay Porter re-tore his ACL Saturday while rehabbing in Colorado, Mizzou Athletics confirmed to KOMU. Porter was... More >>
1 day ago Sunday, March 24 2019 Mar 24, 2019 Sunday, March 24, 2019 10:21:00 PM CDT March 24, 2019 in Sports
A triumphant President Donald Trump emerged Sunday to claim "complete and total exoneration" after special counsel Robert Mueller's investigation found... More >>
1 day ago Sunday, March 24 2019 Mar 24, 2019 Sunday, March 24, 2019 9:02:00 PM CDT March 24, 2019 in News
Columbia, MO
Broken Clouds 55°
4pm 56°
5pm 55°
6pm 53°
7pm 51°