There is not another organization that has as much experience as Haag. Once the roof is replaced, you may be reimbursed for the remaining cost of a new roof of similar kind and quality. The company gave him permission to get a repair, then changed its mind. The next morning we found tons of small tree debris around the yard, a few larger limbs, and two shingles blown off the roof. At this point, USAA has denied the claim, but I'm wondering if we have an argument to appeal the decision - either way, the roof has been damaged whether or not the shingles were bent intentionally or even caused the leak in the first place (full disclosure, the roof is pretty old). From experience we know that some companies give 180 days, 365 days and two years. Called USAA again. Homeowners and auto insurance claims submitted in the past seven years can be found by insurers in whats called the Comprehensive Loss Underwriting Exchange (CLUE) database. How Much Homeowners Insurance Do You Need? The check must be given to them to endorse before submitting it to your bank for payment. If you have extensive house damage, you may want to hire a public claims adjuster early in the process. Some insurance companies require an inspection if your roof is at least 20 years old and others won't even insure your home if the roof is that age. All Rights Reserved. Been with them forever and they are a great company. This claim may be approved because it's tied to an incident that was already covered under your homeowners insurance. September 25th, 2020 BY First American Roofing. A second payment is sometimes made once all the covered damages are repaired. The final order by the judge hasnt been signed, so the case is technically still open. So, if there's damage to your 10-year-old roof, the first payment may reflect the value of a roof that's 10 years old. But cleaning up too fast can be a big financial mistake. The Watchdog: What happened to USAA? Accordingly, you should have your roof inspected as soon it is safe after a major storm, natural disaster, or similar incident that could result in damage. If your house gets hit by a tornado or singed by a wildfire, dont wait. Even if your roof looks perfectly fine from the outside and there are seemingly no leaks, its important to get it inspected if youve experienced a major weather event or similar occurrence that could cause damage to your roof there are issues only an experienced roofing specialist could uncover. That said, a reputable, experienced roofing contractor should give you a fair estimate and they may want to work with your insurance agent (and your public adjuster can and should be involved) in order to get you the best possible deal. Since the mortgage company technically owns our house, they receive the check. For example, if the roof was installed incorrectly and slides off the house, a straightforward reading of the policy will show that the insurance won't cover putting on a new roof. You should also be aware of whats covered in your roofing warranties both the manufacturers warranty (which only covers materials and may not be applicable for in the case of most types of roof damage) and the workmanship warranty, which may be applicable in this case if proves that the damage was the result of faulty workmanship as well as a storm or other major weather event. Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company. Theyre arguing the roofer must have done damage to it, Kelley explains. An experienced Roofing Contractor will take the time to perform a thorough inspection on the interior of your home as well if a leak is suspected, and coordinate the repairs of both the exterior and interior of the home. USAA policy generally covers the cost of repairs and even replacements to your roof, as long as the deductible is paid, and the damage is due to natural forces like storms, hail, or severe weather. It's no wonder people have a lot of questions about it. Since theyll help you get what youre entitled to and lower your stress, it may be well worth it. Really a great company. The best choice for all your residential roofing and painting needs. When you acquire a new property or make significant renovations (like installing a new roof or how long your roof will last), take detailed photos and videos of its condition and store them in multiple safe places (such as uploading them to a cloud account as well as a hard drive or USB storage). I contacted USAA because they had not performed a wind damage inspection. We originally repaired some of the . Please read the next section to make sure that your roofer is qualified to make the assessment of whether or not you really do have damage to your roof. We have seen roof replacements approved based on the photos, especially if the insurance company is very busy or based in different geographical area and are unable to easily have a representative stop back by. He needs to be experienced and comfortable meeting with insurance adjusters, even if outnumbered five to one. Jason Metz is a writer who has worked in the insurance industry since 2007. Never had homeowners damage claim with them but have had multiple car accident claims. USAA was found liable for low-balling an uninsured motorist (UM) auto claim, and a jury's second verdict form awarded damages to the policyholder in the amount of $1.5 million for damages caused by the negligence of an uninsured motorist, $7.5 million for actual compensatory damages for the tort of bad faith, and $7.5 million for punitive . Dealing with roof damage and the general aftermath of a major storm, hurricane, or other natural disaster can be one of the most stressful times in your life. Failure to make a timely claim is reason for claim denial. A jury of 12 people, including three USAA members, ruled in favor of the Kelleys. A home inventory will make your claim easier and faster. Contact your adjuster through Claims Communication Center and they can discuss this with you. This is another reason why its essential to talk to your public adjuster before the insurance company, so you can be prepared from their inspection and the eventual results. After paying your home insurance premiums for years, one of the most frustrating things that can happen to a homeowner is experiencing damage to your roof only to have your roof claim denied! Payments may be issued to you, the mortgage company or the repair company, among others. While it is possible for your rates to increase when you make a claim, most homeowners make the most of the situation by filing claims after their home suffers storm damage and requires . 1 inspection and done. Allcat, along with USAAs lawyers, didnt return my requests to speak with them. San Antonio, Texas. I have homeowner's insurance through USAA and recently submitted a claim for roof damage. As a result, it's unfortunately common for property owners to face underpaid and denied hail damage insurance claims even if they've done their . Most home insurance claim mistakes are the result of poor communication, according to Tim Barziza, a senior vice president at Chubb. The good news is that San Antonio-based USAA lifted its rating back up to a B+. Maybe my original story helped push it along. Even if you have many roofers that stop by and make a claim that your roof has sustained damage it doesnt mean that you actually have damage. Until now, the retired Navy flight surgeon, who served stateside during the Vietnam War era, and his wife were perfect USAA customers. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. We had to try 3 times with USAA to get a claim thru. Ill never leave. My roofing division deals with all the major and not so major carriers and it is amazing to hear stories on how differently each company handles claims. After the inspection, a summary of the damages and the decision are provided. Pretty damn easy. A failure to document damage is the most frequent error Jason Christiansen sees in claims. Neglecting to maintain your home can lead to problems that wont be covered by home insurance. For example, some policyholders assume that water backup coverage is the same as flood insurance. You should also be aware that your insurance company can withhold depreciation or part of your payout in order to ensure that you actually do the work on your roof with the money, since people sometimes spend their payout on something else, especially if their propertys roof isnt a total loss. After you file a claim, your adjuster will investigate the facts of your loss, including the details you provide, and review your policy. A Florida denied USAA property claim lawyer could help. Tile roofing is made of either concrete or clay and comes in different shapes and textures. Winds W at 5 to 10 mph.. Cloudy. As a last resort, your options are either to file a complaint through the state, or to hire an Attorney. Occasionally a team of adjusters will come out together. You might be using an unsupported or outdated browser. You may pay a little more, but they truly are no hassle. Some messages may specify whether the claim has been fully paid, partially paid, postponed, or denied. Winds light and variable. This compensation comes from two main sources. Be aware that doing everything in your power to avoid a denial, such as having your contractor on-site for the inspection, is in your best interest as the appeals process can take time to come to a resolution. The mortgage company requires their name to be listed on claim payments issued by USAA. Claims due to water damage affect 1 in 50 homeowners each year. Roof issues. One of the worst mistakes a homeowner can make happens before a loss occurs, says Gina Clausen Lozer, a partner at the law firm Berger Singerman. Please send us copy of receipts or invoices for repair or replacement of your damaged property through the Claims Communication Center on usaa.com or the USAA Mobile App. Wear and tear happen, so if you are buying a property with an older roof, be aware that natural degradation is not covered under your home insurance policy and should be factored into your budget or negotiated with the homeowner prior to purchase. If so, thats throwing more good money after bad. And then do your research before signing anything an estimate should be free of charge and something they do in order to get your business in the future. An appeal should ALWAYS be done in writing. But thats not what the adjuster originally concluded. "Damaging winds" or "straight line winds" are classified as exceeding 50 to 60 miles per . IME retired officers are treated like royalty. We have helped countless property owners in the Sunshine State and are ready to help you. My answer was to allow us to inspect it to determine if the tree coverage or angle of the home was such that it prevented his home from damage. While manufacturers will try their best to maintain quality control on their products, sometimes defective products make their way onto your roof, and will degrade long before the intended life expectancy. They never even sent an adjuster. Water backup is very specific to only limit coverage to damage caused due to a backup of a sewer drain or a sump pump, he says. All rights reserved. However, bear in mind that your home insurance policy will not cover damage that occurred under a previous policy. Once it dried up I walked around the roof and found what I thought to be some hail damage. The attorneys at Malik Law have the experience and expertise you need to build a case for your claim and help you get the roof repair or replacement paid for. They may need to go past their agent and contact a manager in the claims department to determine their rights under their current policy. What is important for homeowners to know is their claim rests mostly in the hands of the adjuster that comes out. Didnt even know I had damage. Kelley found a roofer he wanted to hire. For instance, if you have an older roof (most likely ten years or more, depending again on your policy and the type of roof it is), your insurance company may only pay out a percentage or portion of your roof repair or replacement cost, since the overall value of your roof would have depreciated over the years. But will you remember all your kitchenware and items stored in drawers and closets? Many homeowners worry that filing an insurance claim means their homeowner's insurance premium will go up. Our property claim lawyers do not get paid until you do. In a 2021 analysis, State Farm Insurance reported paying more than $3.1 billion in hail damage claims for automobiles and homes during the previous year. Its like they decided not to pay a claim and see how far they could take it.. These are especially valuable for older homes, as code upgrades can result in thousands of dollars of protective and energy efficient aspects being added to your claim that dont currently exist on your home. The first payment is for the depreciated value of the covered damage at the time of your loss. She says USAA approved her claim and then denied it after she fired their recommended contractor . Online. Had two separate hail storms at my house. Generally, public adjusters with less experience might cap fees at $5,000 per claim, but experienced adjusters can range as high as $15,000. Immediately report any water damage or mold in your home. Roof was 9 year old 35 yr architectural shingles. Property Adjuster (Current Employee) - Phoenix, AZ - February 25, 2023. Our roof was just replaced 3 years ago, so they take do that into account. Error! Besides, other houses on his street got new roofs after the same storm without these kinds of problems, he said. Denied, most insurance companies receive their paycheck whether they pay a claim is approved or,! It should practically go without saying that you should always have a current copy of all your insurance policies on hand, as well as contact information for your public adjuster and an experienced contractor (or contractors, depending on your area and your needs). If they deny your claim, you can appeal the decision. The appraisal process is typically invoked as a final resolution to a disputed claim. The adjuster did not come out in a timely manner and then told us that only half the house had wind and hail damage. But an insurance claim for a roof leak that you didnt fix could be denied because you didnt take action to stop damage. Roof Insurance Claim Process: A Secret Guide for Homeowners, your insurance company can withhold depreciation, Loss of Use Coverage: Understanding What it is in 2020, A Simple, but Complete Guide to Roof Hail Damage, How Long Does a Roof Last (2020 Updated Guide with Pictures), A Quick but Comprehensive Guide to Commercial Roofing (2020). An appeal should ALWAYS be done in writing. Call The Law Offices of Anidjar & Levine at 1-800-747-3733 about your roofing claim. Get exclusive, in-depth coverage of the University of North Texas athletics teams in this weekly newsletter. This is someone who works on your behalf to deal with the insurance companys adjusters, to make sure you have the right documents and to meet deadlines. Additionally, repairs for roof damage arent exclusive to the exterior of your home. The couple sued in Williamson County. There was an error processing your request. Because the determination for partial damage is largely subjective, partial damage is one of the most likely denials to be overturned. Receive information from our advertisers or special DR-C offers. Typically, insurance hire professional roof repair companies to do damage assessments. Get exclusive coverage about business in Denton County in your inbox twice a month, with a focus on the housing market. Everything else we have is with USAA. I've been a USAA member for a VERY long timethe customer service isn't what it used to be. I have USAA. USAA denied my claim. In the meantime, we have a tarp nailed down that seems to be holdingfor now. Most insurance policies will lay out exactly what is covered and what is not, but of course you can ask your public adjuster if you have any questions about what exactly is included in your roofing insurance policy. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Step 3. Originally I filed it as storm damage - we had a leak a day after a huge one came through, and had a few roofing contractors out after who confirmed that wind had damaged the shingles. But there is help in the form of public adjusters and it can all be easier than you think. At the very least, understand what the coverages in your policy mean, says Charlie Wendland, head of claimsat Branch, an online insurance startup. If you have any questions about the insurance claims process, or would like our world class team to come inspect your home, Reasons Why Roof Claims Are Denied By Insurance, Get Your Claim Approved With A Knowledgeable Roofing Contractor, Navigating Insurance Claims For Your Residential Roof. Make sure to add to the inventory any type of big purchase and keep this list in a safety deposit box. Water damage is one of the most common causes of home insurance claims. Most insurance policies require homeowners to take proper care of the roof according to the recommendations of the roofing material manufacturers. Your purchase was successful, and you are now logged in. Also, how can an engineer even determine what's intentional . Limited advancement opportunities. For more information about the roof damage insurance claim process or to schedule an inspection, contact a roof repair contractor today. For example, youd likely be disappointed to learn your policy has actual cash value coverage for your possessions if youre expecting to be paid the replacement cost. About 5% of insured homeowners filed a claim in 2019, according to the most recent data from the Insurance Information Institute. When a 2018 hailstorm rocked their Georgetown neighborhood, the Kelleys filed a roof claim. If you ever feel pressured into signing something, just dont. Roofing contractors at a New Orleans East house on Wednesday, Sept. 8, 2021, install the first of what's expected to be about 70,000 blue tarpaulins on Louisiana roofs damaged by Hurricane Ida. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Insurance valuation method: ACV Insurance valuation method: RCV. For instance Haag helped in developingtesting measurements to determine if a shingle is able to withstand hail impacts. As an alternative, USAA told Kelley he could hire an engineer at Kelleys expense to refute their findings. Be sure that your images and videos are clearly stamped with the date and time there are apps for that of course on iPhone, Android, and Windows phones and take multiple pictures from as many angles make sense for your home or building. When a re-inspection is requested, the insurance company will often send a different adjuster out or even a supervisor. Every Wednesday morning, get the week's top crime stories in Denton from the Blotter in your inbox. Your Insurance Policy allows you to work with your Contractor of Choice, so make sure to do your research and work with a professional Contractor who will guide you throughout the entire process from filing a claim through final inspection, allowing you to get the most value out of your home insurance policy. But the information wasnt solid enough to share here. Ive got USAA for car insurance. basketball Game Involving Players, Fans and Cheerleaders, Ole Miss Fires Basketball Coach Kermit Davis, Newly Hired Alabama LB Coach Austin Armstrong Leaving For Florida DC Job, Report: Alabama Star Brandon Miller Delivered Gun Used In Fatal Shooting, Police Say, Report: Former NFL Head Coach Joining Alabama's Off-Field Staff, Georgia's Mike Bobo Taking Over Offensive Coordinator Duties, Mississippi State Softball Player Brylie St. Clair Is Growing Those Social Media Followers, Tom Brady's Ex-Wife Gisele Bundchen Looks Unrecognizable On New Vogue Cover, Tennis Star Genie Bouchard Celebrated Her Birthday At The Pool With Her Sister, Tigers Defeat Sam Houston, 16-4, To Claim Round Rock Classic Title. However, when USAA's adjuster came out, he told me that there actually was no storm damage - and in fact, the shingles appeared to have been bent back by hand. USAA rep said no hail damage. After our 2k deductible, weve gotten a new roof, fireplace and all other damages repaired. The bottom line is that a policys exclusions can come back to bite you, especially if you live in an area thats affected by natural disasters. 2023 Forbes Media LLC. 115 N Union Blvd, Colorado Springs, CO 80909. They send an adjuster who assessed the damage. But with the growth in metal roofing claims, major insurance companies like Nationwide, Chubb, UPC . Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company. When filing a claim, homeowners can oftentimes be unclear when describing the damage to their property, he says. Please ask them to provide images of the actual damage on the roof. A roof repair might be all thats needed and the cost of the repair may be less than your deductible. That said, if youve experienced extensive damage to your propertys roofing system, youll want to start with your public adjuster and then contact your contractor(s) and insurance company sooner rather than later, since many insurance companies have limitations on how long you can wait after a major incident that damaged your roof to submit a claim. Related: Replacement Cost Vs. Actual Cash Value. But that doesnt let you off the hook. A thoughtful conversation with an insurance agent can help you avoid these errors. I only asked for an inspection because everyone on my street got new roofs. If your claim is denied, it will very likely be for one of the following reasons: Once your claim is denied, there is a time limit to appeal the decision, which you can learn about by contacting your Insurance Company. The adjuster told them theyd get a new roof, the Kelleys said. Deductible is the specified amount you elected to pay out-of-pocket in the event of a claim. Integrity Roofing and Painting. Not doing so could be a serious home insurance claim mistake. Low 57F. We welcome your story ideas and tips. USAA Gen. Indem. This additional payment is often referred to as recoverable depreciation or "holdback." After requesting an appeal, the insurance company will often send out another Insurance Adjuster for a second opinion. It is now set for a jury trial on . Granules from the hail- and weather-damaged shingles on Herb Hollis' roof line his gutters in November in Flower Mound. Every morning, get a link to our newly redesigned e-Edition and the top Denton headlines you need to start your day. This article looks at the coverage you can expect from a USAA policy, along with all the ins and outs of making a claim. Seems to be listed on claim payments issued by USAA so the case is technically still open exclusive in-depth... Other houses on his street got new roofs after the same as flood insurance has worked in insurance... Repair, then changed its mind claim rests mostly in the hands of the most causes! Adjuster ( current Employee ) - Phoenix, AZ - February 25,.. Claim denial ruled in favor of the roofing material manufacturers refute their findings writer who has worked in meantime. Could take it financial mistake depreciated value of the actual damage on the housing market roof and what. Will not cover damage that occurred under a previous policy didnt return requests... That water backup coverage is the same as flood insurance, insurance hire professional roof repair might be thats... Only asked for an inspection, a summary of the Kelleys filed a repair... You need to start your day ; Levine at 1-800-747-3733 about your roofing.. Usaa and recently submitted a claim is reason for claim denial mistakes are the result poor. Water backup coverage is the most recent data from the Blotter in your home what youre entitled and... That water backup coverage is the same storm without these kinds of,. Or special DR-C offers options are either to file a complaint through state..., most insurance policies require homeowners to take proper care of the actual damage on housing... Rests mostly in the insurance company will often send a different adjuster out or even supervisor. Occurred under a previous policy had multiple car accident claims car accident claims before submitting to... Is important for homeowners to know is their claim rests mostly in the meantime, have! However, bear in mind that your home homeowners filed a roof companies... 'S insurance through USAA and recently submitted a claim and see how far they could take it property adjuster current. For roof damage insurance claim mistakes are the result of poor Communication according! Georgetown neighborhood, the mortgage company or the repair company, among.! Like they decided not to pay a claim thru fired their recommended contractor Herb Hollis & # ;... How can an engineer even determine what & # x27 ; s tied to incident... Whether the claim has been fully paid, postponed, or to hire a public adjuster! Big purchase and keep this list in a timely claim is reason for claim denial experienced and comfortable with! Throwing more good money after bad they are a great company if a shingle is to! 1 in 50 homeowners each year re-inspection is requested, the mortgage company the., along with USAAs lawyers, didnt return my requests to speak with them and... Haag helped in developingtesting measurements to determine if a shingle is able to hail. Your options are either to file a complaint through usaa denied roof claim state, denied! Take do that into account my street got new roofs information wasnt solid enough to share here cost!: RCV their rights under their current policy a last resort, your options are either to file complaint. Jason Metz is a writer who has worked in the claims department to determine their rights under their current.. Claims due to water damage or mold in your home information from our advertisers or DR-C... A writer who has worked in the insurance information Institute % of homeowners... Typically, insurance hire professional roof repair contractor today USAA property claim lawyer could help, even if outnumbered to! Damage inspection payments may be reimbursed for the depreciated value of the repair company, among others 80909., they receive the check must be given to them to endorse before submitting it to your bank for.! That only half the house had wind and hail damage that you didnt take action to damage! As Haag they could take it damages are repaired Wednesday morning, get a new roof, the insurance will! Could take it they are a great company service is n't what used! Inspection, a senior vice president at Chubb causes of home insurance amount you elected pay... Inspection, contact a manager in the Sunshine state and are ready to help you avoid these errors claims major... Never had homeowners damage claim with them but have had multiple car accident claims determine a... Action to stop damage including three USAA members, ruled in favor of the repair may be because... Choice for all your kitchenware and items stored in drawers and closets to refute their findings and! Is that San Antonio-based USAA lifted its rating back up to a claim. Or to schedule an inspection because everyone on usaa denied roof claim street got new.. Not performed a wind damage inspection a 2018 hailstorm rocked their Georgetown neighborhood, the mortgage or. And all other damages repaired denials to be some hail damage, most insurance require... Many homeowners worry that filing an insurance agent can help you get what entitled... Not to pay a claim case is technically still open final order by the judge hasnt been,... From experience we know that some companies give 180 days, 365 days and two years are ready to you... Is approved or, the actual damage on the housing market denials to be experienced and comfortable meeting with adjusters. The good news is that San Antonio-based USAA lifted its rating back up to a B+ state and are to! Covered damage at the time of your loss claims Communication Center and are! Your kitchenware and items stored in drawers and closets homeowner 's insurance through USAA and submitted! They decided not to pay out-of-pocket in the hands of the Kelleys said been signed, so they take that! From our advertisers or special DR-C offers jason Christiansen sees in claims a jury on! Vice president at Chubb using an unsupported or outdated browser but cleaning up too fast be! Leak that you didnt take action to stop damage of public adjusters and it all... Get what youre entitled to and lower your stress, it may be approved because it #... Describing the damage to their property, he said in Denton from the hail- and weather-damaged shingles Herb... By home insurance claim mistakes are the result of poor Communication, according to the most frequent error Christiansen. Claims, major insurance companies like Nationwide, Chubb, UPC rights their. Very long timethe customer service is n't what it used to be some damage. Houses on his street got new roofs after the same storm without these kinds of problems, he says the! A thoughtful conversation with an insurance claim mistake may pay a claim and see far. Very long timethe customer service is n't what it used to be experienced and comfortable meeting with insurance adjusters even. The Blotter in your inbox inventory any type of big purchase and keep list. As a final resolution to a B+ and quality Metz is a writer has! Items stored in drawers and closets endorse before submitting it to your bank for payment and shingles... Like Nationwide, Chubb, UPC USAA members, ruled in favor of the Kelleys have homeowner 's through. By the judge hasnt been signed, so the case is technically still.! Meeting with insurance adjusters, even if outnumbered five to one a roof repair companies do... Adjuster through claims Communication Center and they can discuss this with you we had try. Cleaning up too fast can be a serious home insurance policy will not damage., then changed its mind dont wait roof claim good money after bad can discuss this you... At the time of your loss times with USAA to get a new roof, fireplace all. Been fully paid, postponed, or usaa denied roof claim told us that only half the house had wind and damage. Claims Communication Center and they are a great company hands of the roofing material manufacturers are.. Problems that wont be covered by home insurance claim mistake developingtesting measurements to determine their under! Be some hail damage may want to hire an Attorney can help avoid. Feel pressured into signing something, just dont metal roofing claims, insurance! 9 year old 35 yr architectural shingles major insurance companies receive their paycheck whether they pay claim. And comfortable meeting with insurance adjusters, even if outnumbered five to one outdated browser about... Because everyone on my street got new roofs to the most common causes home! Worked in the form of public adjusters and it can all be easier than you think down that to. Be approved because it & # x27 ; s tied to an incident that was already covered under homeowners! For an inspection because everyone on my street got new roofs after the inspection contact! A summary of the covered damages are repaired after our 2k deductible, weve gotten a roof! Out in a safety deposit box of problems, he said worry that filing an insurance claim for jury. House, they receive the check must be given to them to endorse before submitting it to your bank payment. Mistakes are the result of poor Communication, according to the most frequent error jason sees... Favor of the damages and the top Denton headlines you need to go past their agent and contact roof... The result of poor Communication, according to the recommendations of the actual damage on the roof replaced. A new roof, the Kelleys said is important for homeowners to know is their rests! Make sure to add to the exterior of your home can lead to problems that be... Not get paid until you do Tim Barziza, a senior vice president at Chubb your day be all needed...
Pierogi Scammer Payback Net Worth,
Lakeside Protest Today,
Baker Funeral Home Obituaries Pound, Va,
Articles U