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(NYPost)   Allstate: You're in good hands after Hurricane Sandy. Staten Island couple: The hell we are, you're low-balling us -- and adding insult to injury you're using images of our ravaged home in your TV ads   (nypost.com) divider line 135
    More: Asinine, Allstate, Hurricane Sandy, Staten Island, homeowners insurance, living wall, police tape, thank you, New Dorp Beach  
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13660 clicks; posted to Main » on 03 Jan 2013 at 11:31 PM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-01-03 09:52:32 PM
the couple is now living in the basement of their niece's father-in-law's home

so what does that make  them?
 
2013-01-03 10:20:38 PM

SpikeStrip: the couple is now living in the basement of their niece's father-in-law's home

so what does that make  them?


TotalFarkers.
 
2013-01-03 11:06:07 PM
As someone on the Jersey side of the bay from this guy and probably have pretty much the same insurance (many years)  from this company.... I not getting a kick......
/we got away with just a good deal of damage, two trees down and the fence wiped out because of the wind (did not need to call on FEMA for help, but my friends and other people in the area... not so much)

/still dealing with the insurance
//my complaints are nothing compared to some that have lost everything
 
2013-01-03 11:09:59 PM

TommyymmoT: SpikeStrip: the couple is now living in the basement of their niece's father-in-law's home

so what does that make  them?

TotalFarkers.


i live in the  upstairs of my mom's house, tyvm.
 
2013-01-03 11:34:09 PM
$10,000?! Jeezus you can't buy a cardboard box on top of a manhole cover for that kind of chump change.
 
2013-01-03 11:37:44 PM
To be fair, they didn't buy flood insurance, and are trying to rely on the ludicrous technicality (with no real proof except that people who live next door to them and are likely family friends claim it to be so) that their house was blown down before it was flooded.

Had it not blown down it would've flooded and they'd definitely have gotten nothing because they weren't insured for it. I'd say the insurance company's being generous in throwing them a small bone, and I have a feeling now they've gone to the media, that bone will be taken back too.
 
2013-01-03 11:37:59 PM

ajgeek: $10,000?! Jeezus you can't buy a cardboard box on top of a manhole cover for that kind of chump change.


They should STFU and buy a used school bus and become shower free hipsters...

/vinegar
 
2013-01-03 11:40:12 PM
When I was a kid, I had AllState car insurance. I never had a single ticket or a single claim, but one day they just decided that I was suddenly a huge insurance risk and they raised my rates from about $650/year to $4000/year. Fark Allstate. They'll never see another dime of my money.
 
2013-01-03 11:40:48 PM
I'll give you about tree fiddy.
 
2013-01-03 11:44:43 PM
http://www.nypost.com/p/news/local/staten_island/balled_couple_says_ allstate_used_zjFtg9LA2iv3qsYxhVneWO

www.nypost.com

He's not THAT bald. Maybe she has alopecia.
 
2013-01-03 11:45:50 PM
Allscam.

/not surprised one bit.
 
2013-01-03 11:47:51 PM
When this was happening with Katrina victims in New Orleans everybody called them lazy and to pull up their bootstraps. Now it is an outrage.
 
2013-01-03 11:48:47 PM
Insurance companies are private companies, this is their business model.

Que Tyler
 
2013-01-03 11:50:40 PM
Allstate sucks, they have for decades. These people will see nothing, even if Allstate actually does owe them something. They are not the worst insurance company out there, but they are despicable.
 
2013-01-03 11:54:08 PM
They didn't have flood insurance but want Allstate to pay for flood damage? Anyone near a body of water after Katrina who did t buy flood insurance.... Well, probably should have.

I've actually had good experiences with Allstate. They have my house in Memphis, amd just completely replaced the roof after a storm, quickly approved and repaired, and when they had my car insurance paid immediately after an uninsured idiot hit me.

/also made four Home Warranty claims in three weeks this year
//all miraculously approved, even a brand new pool filter
///not Allstate though
 
2013-01-03 11:54:30 PM

Cottage Cheesecake: Allstate sucks, they have for decades. These people will see nothing, even if Allstate actually does owe them something. They are not the worst insurance company out there, but they are despicable.


..but President Palmer tells me they're the only ones who can protect us from Mayhem!
 
2013-01-04 12:00:20 AM
Jdjdjd
 
2013-01-04 12:02:12 AM

Cottage Cheesecake: Allstate sucks, they have for decades. These people will see nothing, even if Allstate actually does owe them something. They are not the worst insurance company out there, but they are despicable.


Sounds like every insurance company
 
2013-01-04 12:05:00 AM

TommyymmoT: SpikeStrip: the couple is now living in the basement of their niece's father-in-law's home

so what does that make  them?

TotalFarkers.

 
2013-01-04 12:05:36 AM
Goddamn Google for eating my links.

http://i.minus.com/ibgT0AfdMLG7fb.gif

TAKE THAT, GOOGLE. EAT IT NOW.
 
2013-01-04 12:05:59 AM
Looks like Jobu needs a refill
 
2013-01-04 12:07:46 AM
The couple had standard homeowners insurance but not flood insurance

There you go. If you live near water, you need flood insurance, period.

Our house 1st floor was destroyed by Sandy & we are required to own flood insurance by bank (people whose mortgages are paid up can drop FI. We know some of these people & they are farked!)

Still not out of woods, as our insurers have not even given us a quote yet.
 
2013-01-04 12:15:00 AM
here:

Link

List of the ten worst insurance companies in the United States. Allstate is number 1.
 
2013-01-04 12:15:24 AM
My insurance law professor used to always say that Allstate was the good hands people when it came to collecting premiums, and the good finger people when it came to paying claims.
 
2013-01-04 12:16:33 AM

rocinante721: The couple had standard homeowners insurance but not flood insurance

There you go. If you live near water, you need flood insurance, period.

Our house 1st floor was destroyed by Sandy & we are required to own flood insurance by bank (people whose mortgages are paid up can drop FI. We know some of these people & they are farked!)

Still not out of woods, as our insurers have not even given us a quote yet.


not a ringing endorsement for flood insurance
 
2013-01-04 12:17:18 AM

moothemagiccow: Cottage Cheesecake: Allstate sucks, they have for decades. These people will see nothing, even if Allstate actually does owe them something. They are not the worst insurance company out there, but they are despicable.

Sounds like every insurance company


I can't speak to homeowners' insurance claims, but State Farm has been great for auto claims. I've had a smashed car window completely covered (crackhead with a rock when parked in a city), a stone-caused star that spread on my windshield, which turned into a complete windshield replacement, and they did give me a pretty good settlement on my car that was totaled in May. None of these things were my fault which may have helped a lot, but basically I am pretty sure at this point I've come out ahead by maybe $3000. I do pay a lot. six months at a time, but that's because I have really good coverage.
 
2013-01-04 12:22:18 AM

The Bestest: ..but President Palmer tells me they're the only ones who can protect us from Mayhem!


Am I the only one who thinks Mayhem is sexy as hell?
 
2013-01-04 12:23:29 AM
Yeah, they should have paid flood insurance.

Yes, homeowners insurance should cover a house that was blown down by wind...

Unless the house and foundation was built on something that dissolves immediately in water, flood was not the cause of the whole thing being demolished. For the insurance company to write it all off as flood damage except 10 grand is a bit ridiculous.

I can understand not paying for flood damage, drainage, mold, water-logged crap in the basement, etc. But what tore down the house was wind, and the destruction when the roof comes off and the walls fall is typically considered "totaled", regardless of how much water there was after.

Yeah it's not a new thing, insurance companies are skeevy at times, especially when there's a big event like this, but damn.
 
2013-01-04 12:25:22 AM
buy flood insurance, because we need little more time to determine the most profitable settlement.
 
2013-01-04 12:25:22 AM
files.coloribus.com
 
2013-01-04 12:27:15 AM
Scroll down to the bottom of the page, you'll notice

"We recommend...oral sex for testimony"

Well, alrighty then!
 
2013-01-04 12:27:44 AM
They should get The General
 
2013-01-04 12:29:35 AM
Insurance companies are very astute bookie joints who hire rooms full of people that are are not only allowed to try and convince you that your team didn't win by "enough" but try and collect the money from the losing team's coach. It's flat out "in case sh*t" and they have more money than defense contractors and the medical industry combined. No honest company can take money for essentially a lick and a promise and run a 90% profit in a world that's full of all the crap they put in their ads to scare you.
 
2013-01-04 12:31:18 AM

Insurgent: buy flood insurance, because we need little more time to determine the most profitable settlement.


recalculating...
 
2013-01-04 12:32:58 AM
Obvious tag underwater?
 
2013-01-04 12:33:29 AM

ladyfortuna: moothemagiccow: Cottage Cheesecake: Allstate sucks, they have for decades. These people will see nothing, even if Allstate actually does owe them something. They are not the worst insurance company out there, but they are despicable.

Sounds like every insurance company

I can't speak to homeowners' insurance claims, but State Farm has been great for auto claims. I've had a smashed car window completely covered (crackhead with a rock when parked in a city), a stone-caused star that spread on my windshield, which turned into a complete windshield replacement, and they did give me a pretty good settlement on my car that was totaled in May. None of these things were my fault which may have helped a lot, but basically I am pretty sure at this point I've come out ahead by maybe $3000. I do pay a lot. six months at a time, but that's because I have really good coverage.


Yeah, about that windshield replacement, it may not have been you're fault, but it will count against you.
 
2013-01-04 12:37:14 AM

Great Janitor: here:

Link

List of the ten worst insurance companies in the United States. Allstate is number 1.


and in no surprise to me united healthcare made that list. I hate those guys sooooooo much. SO MUCH.
 
2013-01-04 12:42:09 AM
Let me guess, no one has wind insurance.


farking racketeering criminals - the whole lot of them need to be lined up against the wall
 
2013-01-04 12:42:48 AM

gweilo8888: To be fair, they didn't buy flood insurance, and are trying to rely on the ludicrous technicality (with no real proof except that people who live next door to them and are likely family friends claim it to be so) that their house was blown down before it was flooded.

Had it not blown down it would've flooded and they'd definitely have gotten nothing because they weren't insured for it. I'd say the insurance company's being generous in throwing them a small bone, and I have a feeling now they've gone to the media, that bone will be taken back too.


Pretty much this. Get flood insurance if there is any way your property could flood. Also if you live in parts of NY, OH, PA or WV or anywhere where there was underground mining or currently is fracking pay the few bucks to get subsidence insurance as well. In many places they have no idea where old mines are and fracking can cause subsidence and seismic events once a lot of gas is mined.
 
2013-01-04 12:44:27 AM

omeganuepsilon: Yeah, they should have paid flood insurance.

Yes, homeowners insurance should cover a house that was blown down by wind...

Unless the house and foundation was built on something that dissolves immediately in water, flood was not the cause of the whole thing being demolished. For the insurance company to write it all off as flood damage except 10 grand is a bit ridiculous.

I can understand not paying for flood damage, drainage, mold, water-logged crap in the basement, etc. But what tore down the house was wind, and the destruction when the roof comes off and the walls fall is typically considered "totaled", regardless of how much water there was after.

Yeah it's not a new thing, insurance companies are skeevy at times, especially when there's a big event like this, but damn.


At times? I don't think there's ever a time insurance companies aren't skeevy.

Vehicle Insurance : Yeah the accident wasn't your fault, but because you were in an accident we're going to raise your rates. Not to mention enough of our clients were at fault and we had to pay out a lot and we can't cut into our profit margin so all our clients get a rate increase.

Health Insurance: First we'll charge you a ridiculously high premium, then on top of that we'll add a substantial deductable, we'll say $15k a year for a family of 3 with no major existing issues, that way we only pay out for catastrophic medical issues. Oh and because you had a catastrophic medical issue we're going to raise your rate, hell let's raise everyone's rates, too many people had catastrophic medical bills and we can't lose our profit margin.

Home Insurance: Well that fire happened because of faulty wiring, you really should have had that fixed. So we'll pay out maybe 1/4 of the value of what you lost. You're really lucky we're giving you anything. Storm damage? Yeah we had a lot of clients in your area report damage so here's 1/3 the value of the damage, good luck! What? You don't expect us to cut into our profit margin do you?

I could go on, but I think you get the point.
 
2013-01-04 12:49:10 AM
Dear people who live in hurricane areas:

You need flood insurance. No really, you do. Much of the damage a hurricane causes is flood related (storm surge) and regular insurance does NOT cover it. It isn't allowed to, even if the company wanted to. You need flood insurance. It doesn't mean everything will be nice n' easy, you'll still have headaches regarding claims, but it means ultimately you'll get reimbursed. Don't be farking cheapskates and then cry about it.

For that matter, you really need flood insurance in most places, unless you live on the second story or higher. Flooding can happen and your insurance won't cover it.

While I'm not a fan of insurance companies that screw people over, I'm less of a fan of people who want to cheap out on insurance and then cry because they can't get paid.
 
2013-01-04 12:53:35 AM

gweilo8888: To be fair, they didn't buy flood insurance, and are trying to rely on the ludicrous technicality (with no real proof except that people who live next door to them and are likely family friends claim it to be so) that their house was blown down before it was flooded.

Had it not blown down it would've flooded and they'd definitely have gotten nothing because they weren't insured for it. I'd say the insurance company's being generous in throwing them a small bone, and I have a feeling now they've gone to the media, that bone will be taken back too.


the flood insurance vs regular homeowners got played out here after Katrina a thousand times. even people who had both were getting jerked around as the competing insurance companies tried pushing it off on the other guys.

Allstate here was ok. i have it and got good service. Nationwide was a disaster. especially on the gulf coast.
 
2013-01-04 12:59:26 AM

Great Janitor: here:

Link

List of the ten worst insurance companies in the United States. Allstate is number 1.


Ha I'm getting a kick out of the reason - to give a return to the insurers. Which is why I love USAA. Even if that is their goal - since members are shareholders at least we see the return in the form of a annual dividend....
 
2013-01-04 01:04:22 AM
So this wind that allegedly destroyed the house before the flood waters hit - what were their neighbors doing that close to a window during that kind of wind storm? That's just asking to get a window full of flying glass in your face.
 
2013-01-04 01:09:03 AM
Roofs don't blow off if your home is built right.
Homes do flood if you're dumb enough to build near water.

/architect
//no sympathy
 
2013-01-04 01:25:18 AM
I'm about 7 miles from the water.

Should I get flood insurance? Is that 'near' a body of water?
 
2013-01-04 01:27:34 AM

Summercat: I'm about 7 miles from the water.

Should I get flood insurance? Is that 'near' a body of water?


That would rather depend if you're on a flood plain, or on top of a tall mountain, now, wouldn't it.
 
2013-01-04 01:28:13 AM
Q: What about all the money donated from the Red Cross, the government, telethons, etc? Don't mean to let the insurance companies off the hook here, but why isn't that money being given to homeowners who suffered property damage after the storm?
 
2013-01-04 01:30:16 AM

sycraft: Dear people who live in hurricane areas:

You need flood insurance. No really, you do. Much of the damage a hurricane causes is flood related (storm surge) and regular insurance does NOT cover it. It isn't allowed to, even if the company wanted to. You need flood insurance. It doesn't mean everything will be nice n' easy, you'll still have headaches regarding claims, but it means ultimately you'll get reimbursed. Don't be farking cheapskates and then cry about it.

For that matter, you really need flood insurance in most places, unless you live on the second story or higher. Flooding can happen and your insurance won't cover it.

While I'm not a fan of insurance companies that screw people over, I'm less of a fan of people who want to cheap out on insurance and then cry because they can't get paid.


New York metro is now a hurricane zone?

/damn climate change
 
2013-01-04 01:36:22 AM

Smeggy Smurf: Roofs don't blow off if your home is built right.
Homes do flood if you're dumb enough to build near water.

/architect
//no sympathy


......and your line of work is to build as asked, not set policy. If I want to build near water and I'm paying for it, you had better goddamn finish the designs. How does your line of work handle the other forces of nature none of us are supposed to live near either?
 
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