ambz3734
Freshman Member
- Joined
- Feb 9, 2017
- Professional Status
- General Public
- State
- Nebraska
Hi; this is my first thread EVER; but I need help as I'm being screwed by my home ins company. I have read everything for my state, county, etc on building codes and standards and can't find a set standard as to what would differentiate an attached garage from being a 2 vs 1 car garage. From what I see there isn't anything set that legally defines that. I am aware of what the sizes normally are like mostly I'm seeing minimum 20 X 20 with a 16ft door but still nothing legally binding to that reference. The reason I need clarification on this is because I have a 20 X 20 attached garage with a 15ft door that will only fit one car. I bought the house end of December and my Appraisal from then shows it's a one car attached as well as the county assessment records... all of which I've provided to my insurance company. When I sat up the ins I put 1 car capacity for the garage as well as submitted my appraisal that says the same as they required and all was fine. They sent a 3rd party inspector out (I wasn't home so garage was closed) who based the capacity on the 20 X 20 measurements only took some pics of the house and that's it. I've spoken with them and they tried to help but ultimately it's through the insurance who has now after seeing what the 3rd party inspector put changed my policy to a 2 car garage and won't correct it. They continue to come back with a difference excuse every time regardless of my pics; real estate appraisal also with pics; and the county property assessment all of which backs that It's a one car garage. Their last excuse is 'the standard is 20 X 20 measurements' which I know is BS And I just would like to be able to show them evidence of the standard or lack there of. I read a forum on here that supported this but it was from 04 so I thought I would ask If anyone here has ran into this or knows where to point me to. Also; yes I know I need to change insurance company's as they are practicing bad faith. Thanks for any help and please go easy on me like I said first forum EVER...