“House is completely gutted for rebuilding and maybe 20% complete after 6 months. Their reason for cancellation is “messy” yard WHILE UNDER CONSTRUCTION.”
20% completed after six months! I really doubt they cancelled for a messy yard
You have never dealt with an insurance company for a big claim, I suspect. It’s usually a minimum of 4 months to START the claim. I lost an outbuilding to a fire a few years ago in June. I received the money to start the rebuild in October and it was finished a month later. There are estimates to rebuild and contractors to sign and permits and on and on.
The insurance dragged it out 4 months before approving a settlement with the construction company (that they suggested). Now it is winter and inspections have to be made. COVID is the excuse the city uses to take 3-4 weeks to do an inspection.
Since they flat out said “MESSY YARD”, and they have said it more than once, I’ll go with what they say.
My brother was out of town visiting our Mom on Mother’s Day 2019 and came home late Sunday evening to find a water line had ruptured under the kitchen sink and ran for days. The kitchen was ruined cabinets, flooring, sub floor. Water ruined flooring and baseboard in the bedroom, dining room and living room. He contacted the insurance company and got a contract quote fairly quickly based on a suggestion from the adjuster and the contractor and adjuster knew one another.
Long story short the contractor would work two days and gone for five. My brother was being put up in a hotel until the work was done. My brother had been telling for months the adjuster the contractor, his buddy was costing the company a chunk of money by not completing the job and then staying in the hotel. Finally around Thanksgiving he told the adjuster he was first his contractor buddy and getting his house repaired. Oh no you can’t do that was the reply. He said if my house isn’t done in ten days he’s gone and we can fight this out in court and I can tell them how you pushed this contractor day one and he’s a walking clusterf$&k! He moved in December 12th.