Posts
My home insurance carrier decided to drop us because we made a claim for damage from Ida and they felt we didn't sufficiently respond to their orders when told to jump.
For some reason they think the roof was damaged when it was the facing below it along the front porch.
They kept demanding inspections from people who kept telling us that they don't DO inspections.
So we've spent the past four months trying to figure out why they were dropping us and jumping through hoops to keep them.
$1,000 worth of inspections, $200 at a time, getting home and wind abatement inspectors out here was rejected by our carrier.
The crux of the matter turns out they wanted a roofer to sign off that the roof had five years left in it.
No roofer will touch that. If they say it's good for five years and it fails, they have assumed liability.
They're not stupid.
So we used one of the inspections we'd paid for to get a different company to underwrite us.
Sounds like your previous insurer doesn't deserve your business. I hope you will be treated better by your new one. I was insured by State Farm for years but they kept increasing the rates until I had to switch.
ReplyDelete-swj
Insurance are so helpful until it comes to paying out - then they look at you like a bookie you owe $$ to. Frustrating to say the least. I hope it works out for you.
ReplyDeletejrg
Insuring an area prone to natural disasters is never easy. A reputable mutual insurance company (they're owned by the policy holders.. unlike corporations that are answerable to shareholders) is your best bet, imho.
ReplyDeleteBut given the increasing amount of natural disasters due to climate change, your rates will always be high. And yes, climate change is real because underwriting takes it into account. Insurance is a very conservative business and if insurance says something is real, then it's really real. -JKing
We're not experiencing more natural disasters than before. We're just not. I've double checked this several times.
DeleteThey're getting reported on much more often and louder, for certain. Better instrumentation is making it seem like there's more storms, but it's really just a matter of seeing that, previously, unmentioned and unnamed blobs meet the technical definition of tropical storm for a moment then naming them. Overall there's been decreasing energy in the hurricane season for a few years now.
My rates are peculiar to Florida's typical ham fisted too much government and not enough government way of going about things.
They’re worse than the IRS almost, ALMOST
ReplyDelete