SpikeStrip: the couple is now living in the basement of their niece's father-in-law's homeso what does that make them?
TommyymmoT: SpikeStrip: the couple is now living in the basement of their niece's father-in-law's homeso what does that make them?TotalFarkers.
ajgeek: $10,000?! Jeezus you can't buy a cardboard box on top of a manhole cover for that kind of chump change.
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.
rocinante721: The couple had standard homeowners insurance but not flood insuranceThere 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.
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
The Bestest: ..but President Palmer tells me they're the only ones who can protect us from Mayhem!
Insurgent: buy flood insurance, because we need little more time to determine the most profitable settlement.
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 companyI 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.
Great Janitor: here:LinkList of the ten worst insurance companies in the United States. Allstate is number 1.
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.
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.
Summercat: I'm about 7 miles from the water.Should I get flood insurance? Is that 'near' a body of water?
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.
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
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