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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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13661 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?
 
2013-01-04 01:36:43 AM

Dingleberry Dickwad: I could go on, but I think you get the point.


Well, yeah. I knew that, but it's not necessarily a majority of the time this total and utter crap happens.

Kind of reminds me of the scam that is life insurance. Oh, they pay out sometimes, more often than not probably, but all told it's a losing game on paper. Most people never pay in what they'll cash out, when they, um, cash out. In theory, a life insurance company is not able to pay off everyone with insurance at any given time, and that's what these companies run into when a big event happens.

Really, most insurances are like a pyramid scheme. They need a constant influx of new customers that won't need services for a good long time just to stay afloat. If that were to end, these companies would all go bankrupt in short order, between wages and payouts.

I've always hated the scurvey scheister bastard that is the middle man. Recording industry, though that model is changing, is similar.
 
2013-01-04 01:37:22 AM
The amazing part is that there are people that think insurance companies are really here to help them. They're a business here to make money on premiums and deny or reduce claim payouts. Obviously they take in a lot more money than they hand out or they wouldn't be in business. But it's still a Catch 22 in that you'd be stupid not to get it. The only hope is that in incident is so cut and dry that it can't be debated. If there's a glimmer of a chance that they can blame it on something not covered they will. The cheaper it is the more likely you'd have to take them to court to get a paid. Welcome to 'Mericun capitalism.
 
2013-01-04 01:39:58 AM

sycraft: It isn't allowed to, even if the company wanted to.


So what insurance company do you work for that you want us to believe THAT line.
 
2013-01-04 01:40:17 AM

GoodOmens: 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....


I represent several insurance companies, mutual insurance companies are easy to sell once you explain to the client that the share holders are policy holders and not stock holders. I explain that and I have even converted policies from Primerica to mutual companies.

/former Primerica agent
//Primerica sent me a letter telling me to stop it, cancel all my current non-Primerica policies or I will be fired. Haven't written any Primerica business in 6 months.
///letter sounded kind of like that girlfriend who knows you're cheating on her but is still willing to take you back if you break up with your current girlfriend
 
2013-01-04 01:45:27 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


You do understand how many people live near water, right? That is the purpose of flood insurance. The issue isn't that they got flooded, but that Allstate didn't do its job. But whatever, continue your weak trolling.
 
2013-01-04 01:47:16 AM

SuperDuper28: But it's still a Catch 22 in that you'd be stupid not to get it


That's the problem right there. It does work, it does help some people.

It's a necessary evil.

What I'm wondering, is if it would be possible, since the service is so much like taxes, for it to be incorporated into the government or more heavily regulated by the government.

Another interesting concept would be 3rd party field adjustors, so as to remove that bias which all of us see as them saving some pennies wherever they can get away with it by denying or reducing valid claims.
 
2013-01-04 01:47:28 AM

Great Janitor: here:

Link

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


That is the saddest link ever. Thank you. And fark them,,,
 
2013-01-04 01:53:45 AM

SuperDuper28: The amazing part is that there are people that think insurance companies are really here to help them. They're a business here to make money on premiums and deny or reduce claim payouts. Obviously they take in a lot more money than they hand out or they wouldn't be in business. But it's still a Catch 22 in that you'd be stupid not to get it. The only hope is that in incident is so cut and dry that it can't be debated. If there's a glimmer of a chance that they can blame it on something not covered they will. The cheaper it is the more likely you'd have to take them to court to get a paid. Welcome to 'Mericun capitalism.


The thing about insurance is that you don't trust what the salesman tells you. More often than not, they will tell you anything, even lie, in order to get you to buy the policy because they know most clients will take the policy, never read it, and toss it into a drawer or something. I sell insurance, I know. When you get an insurance policy the best thing to do is to jump instantly to the section titled 'Exclusions'. That's what lists what won't be covered. In some cases it's simple to contact your agent and get an additional policy to cover what the main policy won't cover. When I sit down with a client I explain to them that there will not be a pay out if you're injured or killed while on illegal drugs, committing a felony, in a war zone, self inflicted injury or suicide.

When you have a policy that says that your policy will payout in event of X, and X occurs and you experience a loss but the insurance company refuses to pay out. Take them to court pure and simple. Once the judge sees that the contract that the insurance company drafted (the policy) is not being honored by the insurance company and no exclusions have been met, the insurance company has zero legal defense.

One thing you really need to do is to look at the company. Many different companies do take on more risk than they can handle, and there is a fund at the state level (I don't know if it's in all states or just certain states) that can fund insurance companies if the risk caused by an event, like a hurricane or earth quake exceeds the funds of the company. New York Life actually has assets worth twice the amount of outstanding risk. Or, another way to phrase that, if everyone with a New York Life policy cashed out tomorrow, New York Life could still pay every claim and still have several billion dollars remaining.
 
2013-01-04 01:55:53 AM
articles like this make me proud to work at Geico =D
 
2013-01-04 02:04:23 AM

rfoss28: articles like this make me proud to work at Geico =D


Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.
 
2013-01-04 02:04:42 AM

thenooch: [files.coloribus.com image 640x360]


Dennis?
 
2013-01-04 02:09:02 AM

Shadow Blasko: rfoss28: articles like this make me proud to work at Geico =D

Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.


Never heard of this, but sounds like said people who's rates were raised were committing fraud. If you were one of those said people, at least you didn't go to jail. If you weren't congratulations, you and every honest person out there is paying higher premiums because there is so much fraud out there.
 
2013-01-04 02:11:03 AM
Oh Smeggy Smurf is an Architect, eh?

I bet you build strip malls and squares with an oatmeal can on one corner and call it macaroni. Or do you design high rise awnings? Perhaps easements and rights of way? You couldn't shine Louis Sullivan's ballsack, drafting-hack.
 
2013-01-04 02:11:26 AM

Dingleberry Dickwad: 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.


CSB:  In the early 80's, my parents had a car nearly totaled when a wheel broke off the axle of a broke-ass truck driving in front of them and smashed into my parents' front end.  Other driver was ininsured.  Car would have been declared totalled if it wasn't brand new (granted, it was a Dodge Omni, but still).  Insurance wound up fixing it, but I shiat you not, declared my parents 10% at fault for being at the scene.
 
2013-01-04 02:12:17 AM

fanbladesaresharp: 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?


With proper attention to detail and a willingness to tell the client to bugger off if their demands will harm my standing as an architect. I simply will not do a job in which the building should not be built. I'm enough of an asshole to tell a potential client to go throw his money away elsewhere. I don't really give a shiat. I'd rather lose a client than contribute any further to bad architecture. I did my fair share of taking orders for shiatty homes up until the market collapsed. There was only the fees I cared about then. I had a crazy wife back then who was bleeding the bank account dry. I needed the money. Not today. The New & Improved (TM) Mrs. Smurf prefers integrity over money. Thus, take your shiatty wants and go piss up a rope. Or listen to the guy who's made all the mistakes already and let's build you a home, you pay me and we all are happy.
 
2013-01-04 02:19:40 AM

rfoss28: Shadow Blasko: rfoss28: articles like this make me proud to work at Geico =D

Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.

Never heard of this, but sounds like said people who's rates were raised were committing fraud. If you were one of those said people, at least you didn't go to jail. If you weren't congratulations, you and every honest person out there is paying higher premiums because there is so much fraud out there.


Hate to break this to you, sparky, but "fraud" is not a synonym for "things we don't like".  Do your policies include a blanket prohibition of the policyholder owning a radar detector?  No?  Then they aren't committing fraud.  Owning a radar detector is also not a criminal offense in most circumstance.

/doesn't own a radar detector
 
2013-01-04 02:21:06 AM

rfoss28: Shadow Blasko: rfoss28: articles like this make me proud to work at Geico =D

Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.

Never heard of this, but sounds like said people who's rates were raised were committing fraud. If you were one of those said people, at least you didn't go to jail. If you weren't congratulations, you and every honest person out there is paying higher premiums because there is so much fraud out there.


Take it up with Brock Yates. He was pretty freaking pissed about it.

And how would it be fraud? It is legal to own a radar detector in every state, and legal to use it in 47 of them.

How in the hell is that fraud? They sent out a questionaire (sp?) pretending to be marketing for a driving enthusiast magazine to ask people how they drove. How is THAT not fraud?
 
2013-01-04 02:22:01 AM
Then again.. this *was* 21 years ago. Things have changed a bit since then.
 
2013-01-04 02:25:55 AM

ongbok: 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.


Despite all its other sins, Staten Island is above sea-level.
 
2013-01-04 02:31:27 AM

ongbok: 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.


Yeah. We're bastards.
 
2013-01-04 02:58:41 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


You are not at architect. plain and simple. you are a lying sack of troll-shiat.
 
2013-01-04 04:05:08 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


You are a lying sack of shiat.

When I was in the Army, I was sent to Florida for the Hurricane Andrew relief effort.

I have personally seen 2x4s driven through a solid concrete wall two feet thick and reinforced with rebar. I observed a boat wrapped around a telephone pole, having hit it so hard you could see the grain of the wood in the torn hull of the boat. I pulled an old man out of the wreckage of his house- his Econoline van was on its roof in the yard, having been blown twenty feet through the air. I saw well-built homes utterly ruined by nothing more than wind. Their roofs were torn off as though someone was peeling a farking banana.

A strong enough weather event and all bets are off.
 
2013-01-04 04:10:07 AM

Cyclometh: A strong enough weather event and all bets are off.


This, unless you build solely bunkers and the like, the earth's weather patterns can rip it to shreds.
 
2013-01-04 04:21:30 AM
Private business will save us! RON PAUL!!!
 
2013-01-04 04:25:41 AM

omeganuepsilon: Cyclometh: A strong enough weather event and all bets are off.

This, unless you build solely bunkers and the like, the earth's weather patterns can rip it to shreds.


Yep.

I've seen EF5 damage where the highway was physically scrubbed from the surface. Just 1/2 a mile with nothing but some gravel and dirt, where a paved road was 10 minutes before. Very humbling. Nothing survives that.
 
2013-01-04 04:52:17 AM
Why do people white knight insurance companies? It blows my mind. These people make a killing off of shuffling other people's money and leveraging everything possible in order to avoid obligations. When a homeowner can't afford a new and insane mortgage rate shift, it's "deadbeat welfare entitlements!" Just funny how the rules change depending on how much money you have for leverage...
 
2013-01-04 04:57:39 AM

ongbok: 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.


 Don't forget that Allstate Sugar Bowl that happened months later. The nerve. I know several people - just lil' ole me and not stats - who were massively farked over by Allstate. You pay premiums with the understanding that in a catastrophe, you will be protected.

 Good hands. Pfft. My ass. Every time I see one of their commercials I have to take ten deep breaths to avoid punching my own wall.
 
2013-01-04 05:04:13 AM
And yes, I understand the difference between flood and other insurance. Thing is, Allstate was denying claims that were clearly not flood related. They also have a habit of calling you and talking you into a new policy, skipping over the fact that it doesn't actually take effect for 30-90 days after you sign. This is called praying on stupid people, and that's not cool unless you're a talk radio host. Sure, you need to read anything you sign, but at the same time they're counting on the typical laziness of the average person, and then denying the claim based on that clause. Legal? Yes. But douchey in that they push for it at the beginning of hurricane season.
 
2013-01-04 05:22:47 AM
Anyone out there, is there an index or source for how well companies pay out on claims?
 
2013-01-04 05:25:09 AM
A quick google search yields this

/note Allstate is ranked in the "worst" section
 
2013-01-04 05:35:05 AM

ongbok: 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.


And they have been doing in Florida for DECADES!
 
2013-01-04 05:58:33 AM
They need to hire a wind engineer to show their house was destroyed prior to tidal surge. If the shingles of the h Ouse were blocks away, it will strengthen their claim. Until them, a big "Allstate doesn't pay claims" sign in the front yard is always fun.
 
2013-01-04 06:04:52 AM
Allstate has had a lousy reputation for at least 30 years (as long as I've been buying insurance). Anybody who doesn't do their homework gets no sympathy from me.
 
2013-01-04 06:17:44 AM
thenooch:
files.coloribus.com

I'm Hurricane Sandy.

And now I'm Allstate after Hurricane Sandy.
 
2013-01-04 06:28:33 AM
This is why all my money is in bitcoins and I live in a house made out of trashbags filled with packing peanuts.
 
2013-01-04 06:37:07 AM
The couple had standard homeowners insurance but not flood insurance

Well there's your problem.
 
2013-01-04 06:40:53 AM

Shadow Blasko: rfoss28: articles like this make me proud to work at Geico =D

Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.


Underhanded yes, but a great method to assess true risk for each policyholder. Insurance companies make money only when they sell policies and lose money only when they pay out more than their models predicted (leaving float and investment issues aside, which is not insignificant, but in recent times, a pure underwriting profit is pretty much required for an insurer to stay solvent). In other words, an insurer wants to sell the most policies possible to those who fit their risk models, and sell nothing to those outside those models. To best assess risk, an insurer needs detailed info on its policyholders. If I was providing auto insurance, I'd like to understand my policyholder's driving habits (including their tendency to speed since it is at least somewhat correlated to accidents and risk). If you're not going to be honest when applying if I were to ask you about your driving habits directly, I am OK with a less direct method. Not a big fan of the apparent dishonesty, but my guess is the survey was an actual C&D survey which GEICO sponsored or bought the data after the fact. Currently, insurers ask policyholders (and potential policyholders) to install a data recorder which provides detailed info about driving habits to the insurers. Voluntary (for now), but those with better habits get better rates, and beyond a certain point, others are dropped as being too risky. Not sure what the problem is with any of that. You want better rates, drive in a way that benefits the company that stands to lose if you get into a wreck.
 
2013-01-04 06:54:36 AM
shroom:
CSB:  In the early 80's, my parents had a car nearly totaled when a wheel broke off the axle of a broke-ass truck driving in front of them and smashed into my parents' front end.  Other driver was ininsured.  Car would have been declared totalled if it wasn't brand new (granted, it was a Dodge Omni, but still).  Insurance wound up fixing it, but I shiat you not, declared my parents 10% at fault for being at the scene.

A few years ago I was driving on the freeway and some guy in the left lane decided to shoot across all four lanes of traffic. On his little journey he spun out hitting three cars, the last being mine. He hit me almost directly head on and hard enough that it snapped my front axel in half, totaling my car. The only reason we weren't seriously hurt was my car was this tank/beast of a thing.

The guys insurance company tried the same kind of crap and said that I was partially at fault. When pressed hard for exactly how I could be at fault they said I was following the person in front of me too closely (I was like 4-6 car lengths behind the person in front of me in 40MPH traffic) and that if I was further back that their client wouldn't have hit me but hit someone else instead. WTF??  Only after both my insurance company & I threatened to sue the snot out of them did they back down.

CSB: Accident happened right at the start of rush hour on one of the busier freeway interchanges in the SF bay area (880/101). Cops tried to push my car out of the center lane of traffic but because of the snapped axel it wouldn't move. I had my two boys (ages 2 & 3) with me, the cops were getting concerned I might get hit again while waiting for the flat bed tow truck to get there and wanted to get us out of the car ASAP & to the side of the road. They lined up police cars end to end across all the lanes to  block the flow of traffic and carried the boys out safely. It doesn't sound like much but it truly was something interesting to see happen and I really appreciated their level of concern for the kiddos.
 
2013-01-04 07:42:37 AM
ignorotic Why do people white knight insurance companies? It blows my mind. These people make a killing off of shuffling other people's money and leveraging everything possible in order to avoid obligations. When a homeowner can't afford a new and insane mortgage rate shift, it's "deadbeat welfare entitlements!" Just funny how the rules change depending on how much money you have for leverage...

I suppose they white knight them because they help them when they need it the most.

The one thing that you have to remember when dealing with insurance companies is that they don't exist to help you, they exist to separate you from your money. They write the policies using legalese and terms the average person does not understand for a reason. When hurricane Ivan hit Pensacola I went over there to help out and saw this same sob story thirty times over. It's just heartbreaking, some old couple with health problems on a fixed pension losing everything-----and always the same story----"I paid to them for thirty or whatever years and now when I need them they do this?" Then you find out the last time they read their policy was ten years ago, they have no clue to what they are covered for and have no idea that the guy who wrote and sold them the policy died five years ago. This affected me so much that I started to look into the policies of my relatives, and found that a lot of them were the same way--they had no idea what they
were covered for. Then I found out that with many insurance companies, particularly with home owners insurance, the policies change EVERY SINGLE YEAR in favor of the insurance company. These changes are usually small but in ten or twenty years they add up so that when a catastrophe does occur and one hasn't reviewed it---they are screwed.

One thing that I will ask of every snarky commentator on this list---have you reviewed your insurance lately?
Because these companies do, and they are NOT YOUR FRIENDS.
 
2013-01-04 07:45:55 AM

Electrify: 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?


Because most charities are ripoff artists as well. Didn't you know that? I thought we all knew that by now...
 
2013-01-04 07:47:49 AM
They should get a private adjuster to help them.
 
2013-01-04 07:49:30 AM

Pelvic Splanchnic Ganglion: 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.


Fark Allstate so much. I was with those bastards for 14 years. ONE TIME I send in a payment 8 days late. (Bill fell down behind radiator, and I didn't see it). They dropped me. But they didn't tell me. It wasn't until 30 days later, that I got a letter from them returning my check and a notice that I no longer had insurance. Starting 30 days ago. Been driving for a month without it, and had no idea. If I had an accident, would have been screwed. I told them I had been a customer for 14 years (with 1 minor accident 10 years prior), and the check was only 8 days late. They said there was nothing they could do. But they would be *happy* to write me a new policy....at double the cost. I politely explained where they could store their collective dicks (their asses) and went to USAA.

The only reason I am glad they are still in business are the Mayhem commercials. I quite enjoy them. Aside from that, Allstate can eat a bag of dicks.
 
2013-01-04 07:55:37 AM

Snapper Carr: Let me guess, no one has wind insurance.


It ain't the insurance company's fault that nubians don't know there is wind in a hurricane. I can see it now - I just saved a bunch of money on my insurance, cause these dumb nubians don't know there's wind in a hurricane... O what u got some more sad songs is that what you got for me? You ran cause your Sandy welfare aint shown up yet?. Hell ya'll nubians was makin 3 dollars an hour before Sandy. Now each one of ya'll want three hundred-thousand. Ah ain't that some bullshiat.
 
2013-01-04 08:08:33 AM

Unemployedingreenland: Shadow Blasko: rfoss28: articles like this make me proud to work at Geico =D

Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.

Underhanded yes, but a great method to assess true risk for each policyholder. Insurance companies make money only when they sell policies and lose money only when they pay out more than their models predicted (leaving float and investment issues aside, which is not insignificant, but in recent times, a pure underwriting profit is pretty much required for an insurer to stay solvent). In other words, an insurer wants to sell the most policies possible to those who fit their risk models, and sell nothing to those outside those models. To best assess risk, an insurer needs detailed info on its policyholders. If I was providing auto insurance, I'd like to understand my policyholder's driving habits (including their tendency to speed since it is at least somewhat correlated to accidents and risk). If you're not going to be honest when applying if I were to ask you about your driving habits directly, I am OK with a less direct method. Not a big fan of the apparent dishonesty, but my guess is the survey was an actual C&D survey which GEICO sponsored or bought the data after the fact. Currently, insurers ask policyholders (and potential policyholders) to install a data recorder which provides detailed info about driving habits to the insurers. Voluntary (for now), but those with better habits get better rates, and beyond a certain point, others are dropped as being too risky. Not sure what the problem is with any of that. You want better rates, drive in a way that benefits the company that stands to lose if you get into a wreck.


I am going to guess the "reduction in rate" is far less than the reduction in risk to the insurance company.

Give up 100% of privacy, drive like a little old lady, and get ten bucks a month off!

Whereas, over a lifetime of driving like that, it probably eliminates a full half of the claims the person might have, and reduces the ones that remain by a considerable amount.

So it'd be worth half the rate the person currently pays.

The difference, is pure profit for the company. In some ways it's brilliant. But, if you are one of those drivers that doesn't drive like an ass, it's insulting because now you are subsidizing pure profit and risks by the stupid drivers.

/Ever see an insurance company campus. Luxurious, sprawling, extravagance. If they can afford a golf-course sized lawn, they aren't giving you a good deal on your rates.
 
2013-01-04 08:15:36 AM

jimmythrust: Great Janitor: here:

Link

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

That is the saddest link ever. Thank you. And fark them,,,


That link makes me feel stabby... I don't like feeling that way because it goes against my beliefs... I have to ask the question though.... how is it that these people are not in prison for a very very long time? It seems to me there are blatant cases of fraud, falsifying evidence, withholding evidence, destruction of evidence, etc... i mean WTF?

/good thing i am not a judge... ∞yrs in PMITA prison for the lot of em.
 
2013-01-04 08:17:40 AM

rfoss28: Shadow Blasko: rfoss28: articles like this make me proud to work at Geico =D

Oh yes, such a wonderful company that they used a telemarketing company in the 90's to send out driver surveys to their customers, in the guise of a Car & Driver survey... and then raised the rates on people who answered honestly, or just dropped you if you said you owned a radar detector.

Top rate company.

Never heard of this, but sounds like said people who's rates were raised were committing fraud. If you were one of those said people, at least you didn't go to jail. If you weren't congratulations, you and every honest person out there is paying higher premiums because there is so much fraud out there.


here is your reward for defending the skeeziest industry in existence:
www.cmi-lmi.com
 
2013-01-04 08:35:37 AM

HindiDiscoMonster: jimmythrust: Great Janitor: here:

Link

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

That is the saddest link ever. Thank you. And fark them,,,

That link makes me feel stabby... I don't like feeling that way because it goes against my beliefs... I have to ask the question though.... how is it that these people are not in prison for a very very long time? It seems to me there are blatant cases of fraud, falsifying evidence, withholding evidence, destruction of evidence, etc... i mean WTF?

/good thing i am not a judge... ∞yrs in PMITA prison for the lot of em.


Just wait until we put Insurance companies in complete and total charge of our health care, it'll be a blast!!
 
2013-01-04 08:37:31 AM
Here is a good list of best/worst insurers for paying out claims

Link
 
2013-01-04 08:37:40 AM

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

recalculating...


recalculating...
 
2013-01-04 08:38:55 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


clearly all those homes hit by tornadoes were not built right.
 
2013-01-04 08:43:08 AM

Shadow Blasko: omeganuepsilon: Cyclometh: A strong enough weather event and all bets are off.

This, unless you build solely bunkers and the like, the earth's weather patterns can rip it to shreds.

Yep.

I've seen EF5 damage where the highway was physically scrubbed from the surface. Just 1/2 a mile with nothing but some gravel and dirt, where a paved road was 10 minutes before. Very humbling. Nothing survives that.


OKC or Joplin?
 
2013-01-04 08:50:38 AM
Hm. Must be Saggitarians.

Supposedly it was a joke. Right.
 
2013-01-04 09:27:40 AM
Ahem, the story headline should read, "Whiny biatch who didn't purchase flood insurance gets mad at her homeowners insurer for only paying a portion of her claim. According to her, she was begging for a seawall before this happened, and "if we had a 20 foot seawall, maybe we would have had a shot."

Link

Newsflash: Seawalls don't stop wind. They stop rising water. So if you had a 20 foot seawall, you'd have had a shot? Then you have had a flood loss. Now shut the fark up about the evil insurance company not paying much of your loss when you yourself have concluded that a seawall would've likely prevented your loss.
 
2013-01-04 09:41:46 AM

rfoss28: articles like this make me proud to work at Geico =D


People that work for insurance companies and believe that they are actually working for the "good guys" never cease to make me laugh.
 
2013-01-04 09:42:37 AM

GoodOmens: 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....


I loved doing business with USAA too, for many years. Claims were easy, paid fairly and quickly, no muss, no fuss. Then they decided they didn't want to insure homes on the North Carolina coast any longer. Instead of just saying they weren't going to any more, and that we would need to find coverage elsewhere, they increased the rates by about 400%. To me, this is a passive-aggressive chickenshiat way to accomplish what they wanted.
 
2013-01-04 10:03:09 AM

chewielouie: Allscam.

/not surprised one bit.


Nope. Most Farkers are too young for it to have been meaningful, but AllState's been bad enough that the FBI Raided them and all sorts of expose's detailing to what lengths they ould go to avoid payouts. Hell, they were spending a billion per year in Florida alone in the mid-90s just to fight claims - more than they would have paid out.
 
2013-01-04 10:07:13 AM
Erie Insurance is probably the best nationwide insurance company for cost per coverage, customer service, and claim approval.
 
2013-01-04 10:11:25 AM
Tin foil hat time.
Current Allstate TV spokesperson: Dean Winters
412.laxallstars.com

Current Farmers TV spokesperson: J.K. Simmons
1.bp.blogspot.com

Both became famous from portraying criminals on the same hit TV show "OZ"
Is it a coincidence that insurance companies are hiring actors to sell their product who are famous for portraying criminals?

/conspiracy, man
 
2013-01-04 10:18:46 AM

sycraft: 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.


If I have a condo on the second floor and a flood takes out the first floor of the building and the second floor goes down because the walls on the first floor are compromised, am I covered without flood insurance?
 
2013-01-04 10:24:50 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.


You can shake loose what is owed by Allstate, but you must be willing to pay for a lawyer to go to court. No matter what your lawyer says about something being the best offer possible unless Allstate is willing to pay what is owed keep hammering all the lawyers to get the case before a judge.

No insurance company wants to actually go to court and most judges will rule in your interests if that happens. Sadly the whole legal system is geared towards settlement.
 
2013-01-04 10:31:38 AM

SlothB77: If I have a condo on the second floor and a flood takes out the first floor of the building and the second floor goes down because the walls on the first floor are compromised, am I covered without flood insurance?


If you have a condo, all you own is the airspace within the unit, additions and alterations to your unit (everything from the bare walls and floor on in to the unit) and a membership in the condo association. The condo association owns the building and has a responsibility to insure it for flood. You would need a flood policy to cover your additions and alterations and any personal property you care about in that scenario.
 
2013-01-04 10:31:49 AM
Just about everyone who had flood insurance in the gulf coast region got screwed by insurance companies, claiming the levee breaks were "an act of god" rather than the direct results of a flood or hurricane. The people defending insurance companies in this day and age were the same people whipping themselves to get rid of the plague 700 years ago... don't bother trying to reason with them.

"I went with All State... 'The good hands people.' You've seen the ads: 'We're the good hands people.' I got my car stolen twice, the good hands people... they dropped me. I looked up and one of the good hands was giving me the finger!" -Robert Klein (commenting on All State Insurance, 30 years ago)
 
2013-01-04 11:01:49 AM

CruJones:
/also made four Home Warranty claims in three weeks this year
//all miraculously approved, even a brand new pool filter
///not Allstate though


I always thought those home warranties were some kind of scam but since one came free with the house we bought last year I figured what the heck and used it for every little item that would cost more than the $100 deductible to replace. In every instance they had someone out within a day to repair/replace a toilet, garbage disposal, clothes dryer, etc. The plumbing was the big one as they had to tear out a big chunk of drain and replace it. When they offered me a renewal last month I jumped on it.
 
2013-01-04 11:21:37 AM
1.bp.blogspot.com
 
2013-01-04 11:27:43 AM
Glad to see everyone here saw that he didn't have flood insurance and that is the cause.
Where I live, you are required to get a flood assessment to determine if your area floods. If it floods, it is HIGHLY recommended to purchase flood insurance. If it doesn't flood, they still recommend it just in case, but it isn't really necessary. I live in an area that floods pretty frequently (low lying swamp, near rivers/bodies of water, crappy drainage) but I made DAMN sure my house wasn't in a flood zone.
 
2013-01-04 11:32:55 AM
How do you not have flood insurance and live that close to water in a flat area? shiat I had it on my rental coverage before I bought because I was in an area that flooded about 25 years before I moved in; that house wasn't damaged at that time other than some basement flooding, but why risk it. Unlikely, but shiat happens.

/insurance co's do suck, but that is expected.
 
2013-01-04 11:35:00 AM

Vegetative reproduction: [1.bp.blogspot.com image 850x478]


That bastard deserved what he got. Stopping a mugging to rip on an employee? You're lucky Disney frowns upon snuffing in their films.
 
2013-01-04 11:37:54 AM

SageC: Just about everyone who had flood insurance in the gulf coast region got screwed by insurance companies, claiming the levee breaks were "an act of god" rather than the direct results of a flood or hurricane.


Show me a property insurance policy that has act of god as an excluded peril. What was at dispute by and large was the issue of concurrent causation coupled with some assertions that government inaction (by not acting on concerns presented before the storm, the inaction could be deemed an action) could be the proximate cause of loss. Only one class action referenced acts of god likely done so as the attorney had probably argued class action cases involving 3rd party liability for injuries involving asbestos or pollution, thus throwing something into the mix that wasn't necessarily relevant. Others attempted fighting that storm surge is not specifically named as part of the water damage exclusion despite "rising water" being dead center in the exclusion and saying it was ambiguous.

With the issue of concurrent causation there is the potential to exclude coverage in its entirety if the covered loss (wind) occurs concurrently with an uncovered loss(flood and/or governmental action). Considering an estimated 60% of New Orleans residents did not carry flood, those residents hotly contested when the insurers rested on "we do not insure for loss caused directly or indirectly and such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss." Even douchebag Senator Trent Lott tried to play stupid on how it works when his second home was subject to flood and his insurer denied a significant portion of the claim. He was a policy maker and involved with the NFIP program renewals. He knew how it worked and even he tried to act like he was getting screwed.

Link

What you said was pretty much wrong.
 
2013-01-04 11:40:02 AM
Gulf coaster here. The business model for insurance is take in as much in premiums as you can, and pay out as little as possible. It's just captialism. And if paying lawyers is cheaper than paying a claim, that's what they will do.

After paying flood and Texas windstorm for 23 years without a claim, I got low-balled by both after hurricane Ike. The beach house was 11 feet above sea level and the storm surge reached 11 1/2 feet. the flood insurance people only wanted to pay for damage below the floor level (nothing) and the wind people claimed damage from flood. We sued both and eventually received a settlement that only left us paying $40,000 out of pocket. Our lawyers did very well at 35%.

The new house is 17 feet above sea level, the new federally required height; I won't pay for flood insurance again. The new house is also built to the new federal construction standard and is tougher than a tank (hurricane straps on every joint) I am taking the money I would have paid for wind insurance and banking it myself for the purpose of windstorm repairs.

This information is of no use to Hurricane Sandy folks who don't expect hurricanes and lost their primary residences other than my recommendation to sue the bastards. When enough greedy lawyers stack up against them, they start settling.

My greedy bastards: http://www.mostynlaw.com/
 
2013-01-04 11:45:57 AM

Stranded On The Planet Dumbass: Our lawyers did very well


No. No they didn't. Unless you had under insured your home.

I won't pay for flood insurance again.

Great idea considering what you just said.
 
2013-01-04 12:12:24 PM

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.


How is that? Your shiat statement is equivocal to: Me shooting a guy to death than throwing him in the street. You later ran him over with your car. You are now charged with murder and I get off Scot free.
 
2013-01-04 12:44:23 PM

mugwump867: CruJones:
/also made four Home Warranty claims in three weeks this year
//all miraculously approved, even a brand new pool filter
///not Allstate though

I always thought those home warranties were some kind of scam but since one came free with the house we bought last year I figured what the heck and used it for every little item that would cost more than the $100 deductible to replace. In every instance they had someone out within a day to repair/replace a toilet, garbage disposal, clothes dryer, etc. The plumbing was the big one as they had to tear out a big chunk of drain and replace it. When they offered me a renewal last month I jumped on it.


Every time I had to use mine, they sent someone to come out, bang at the broken thing for a minute, tell me it was a problem with the plumbing/electrical/otherwise not covered, charge me the deductible and leave me with a broken thing and less money. At one point, after 3 service calls (which they tried to charge me for all three) they finally admitted they'd have to give me a new garbage disposal. Then, after swapping it out with a new disposal, told me I'd have to pay something like $150 to hook it back up to the plumbing because plumbing isn't covered by the warranty.

A complaint to the customer service line got me literally cursed at by their service rep and then hung up on.

That was American Home Shield, btw, may they all burn in hell.
 
2013-01-04 12:59:07 PM

Bruce Campbell: Stranded On The Planet Dumbass: Our lawyers did very well

No. No they didn't. Unless you had under insured your home.

I won't pay for flood insurance again.

Great idea considering what you just said.


Except for in your case there wasn't concurrent causation.
 
2013-01-04 01:39:36 PM
Folks, when you buy insurance, you arent buying security, you are buying excuses.

Thats all your insurance policy entitles you to... lame excuses from said insurance company.
 
2013-01-04 01:48:45 PM
This is what our house looked like when we got hit by a 100' pine tree in the wind storm of February 2009.

Allstate screwed us hard, as well. Wanted to give us 50k to rebuild the entire house. Ended up getting a lawyer.
I will never do business with them again.

If you have them switch. Don't just believe me, Google " worst insurance companies ".

Bastards !


http://ulocal.wmur.com/_Bill-Donna-Limoges-House/photo/9838124/63455. h tml
 
2013-01-04 02:58:23 PM

Kazrath: How is that? Your shiat statement is equivocal to: Me shooting a guy to death than throwing him in the street. You later ran him over with your car. You are now charged with murder and I get off Scot free.


No, it's not, but nice try.

It's equivalent (not equivocal) to me killing him by running him over, then claiming that my friend saw you punch him and that sure, there's no evidence of that ever happening, but that my friend is really sure that the punch probably woulda killed him already before I hit him.

Again, there is a) absolutely zero proof of the person's claim except for an unsubstantiated claim by one neighbor (who likely has a vested interest in siding with the claim if only to avoid generating a feud with their neighbor -- and who very possibly is actually a close friend.) and b), it matters not one jot if damage was done to the house by the storm, because it was subsequently written off beyond question by the flooding, and would have been written off by the flooding no matter whether some unconfirmed level of damage was done by the storm.

And even if you try to side with their ludicrous claim, if they want their house fixed or replaced by insurance, and didn't have flood cover, they need to return the house to the state it was in before the flooding before the insurance company can reasonably be expected to pay a cent.

When you crash into somebody's stationary car and kill them, is it not manslaughter because you merely hit their car, and it was technically their car that killed them when their head hit the dash?
 
2013-01-04 03:11:04 PM

ongbok: 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.


I still find it funny that Allstate still has the balls to sponsor the Sugar Bowl there after the screwjob they gave people who were affected by Katrina.
 
2013-01-04 03:21:18 PM

The Bestest: 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!


...but President Palmer tells me that they are the only one who can protect us from Ryan O'Reily!
 
2013-01-04 04:22:29 PM

nickerj1: Erie Insurance is probably the best nationwide insurance company for cost per coverage, customer service, and claim approval.


THIS.

Last 4th of July, I had hail hit my house. Siding, roof, gutters and an awning above my porch were damaged.

I submitted my claim the next day on Erie's website. That night an adjuster called me to get the details and give me a claim number. I had an adjuster at my house the next week and a check for the actual cash value of the damages a few days later. I hired my contractor who found more damage. He told the adjuster and she cut a check for the additional damage. After the work was completed, I got a check for the replacement value about a week after the completion certificate was sent to the adjuster.

They didn't give me a hard time or attempt to dodge or deny the claim. I had a claim, they paid. Book it, done.

However, they are not a national company. They are available in a few states, mainly in the Midwest and Northeast, including New York.
 
2013-01-04 04:38:47 PM

MythDragon: Pelvic Splanchnic Ganglion: 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.

Fark Allstate so much. I was with those bastards for 14 years. ONE TIME I send in a payment 8 days late. (Bill fell down behind radiator, and I didn't see it). They dropped me. But they didn't tell me. It wasn't until 30 days later, that I got a letter from them returning my check and a notice that I no longer had insurance. Starting 30 days ago. Been driving for a month without it, and had no idea. If I had an accident, would have been screwed. I told them I had been a customer for 14 years (with 1 minor accident 10 years prior), and the check was only 8 days late. They said there was nothing they could do. But they would be *happy* to write me a new policy....at double the cost. I politely explained where they could store their collective dicks (their asses) and went to USAA.

The only reason I am glad they are still in business are the Mayhem commercials. I quite enjoy them. Aside from that, Allstate can eat a bag of dicks.


Same thing happened to my ex-husband and I with Geico, only the check was one day late, and they cashed it. (I actually would have figured our bad had they not cashed the check.)
 
2013-01-04 07:42:18 PM
Not suprised at all since I had a couple of Allstate agents tell me that "Allstate doesn't sell insurance anymore" a couple of years ago .
 
2013-01-04 09:52:43 PM

Bruce Campbell: SageC: Just about everyone who had flood insurance in the gulf coast region got screwed by insurance companies, claiming the levee breaks were "an act of god" rather than the direct results of a flood or hurricane.

Show me a property insurance policy that has act of god as an excluded peril. What was at dispute by and large was the issue of concurrent causation coupled with some assertions that government inaction (by not acting on concerns presented before the storm, the inaction could be deemed an action) could be the proximate cause of loss. Only one class action referenced acts of god likely done so as the attorney had probably argued class action cases involving 3rd party liability for injuries involving asbestos or pollution, thus throwing something into the mix that wasn't necessarily relevant. Others attempted fighting that storm surge is not specifically named as part of the water damage exclusion despite "rising water" being dead center in the exclusion and saying it was ambiguous.

With the issue of concurrent causation there is the potential to exclude coverage in its entirety if the covered loss (wind) occurs concurrently with an uncovered loss(flood and/or governmental action). Considering an estimated 60% of New Orleans residents did not carry flood, those residents hotly contested when the insurers rested on "we do not insure for loss caused directly or indirectly and such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss." Even douchebag Senator Trent Lott tried to play stupid on how it works when his second home was subject to flood and his insurer denied a significant portion of the claim. He was a policy maker and involved with the NFIP program renewals. He knew how it worked and even he tried to act like he was getting screwed.

Link

What you said was pretty much wrong.


The people defending insurance companies in this day and age were the same people whipping themselves to get rid of the plague 700 years ago... don't bother trying to reason with them. -SageC
 
2013-01-04 10:38:41 PM
Ah yes. I read that and understand its hypocrisy entirely. I responded with facts and reason, yet you are blinded with your own ignorance to such an extent that you need to revert to some feeble platitude. Great response. +1

You were wrong. Go ahead and admit it at least to yourself or provide info to the contrary, not just your assertion that act of god was the key reason why people affected by Katrina were denied or limited in benefit from their coverage.
 
2013-01-05 03:25:16 AM

chewielouie: 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.


We shall see; my next chunk is due at the end of February. I've had full glass coverage for years though, so my coverage has always been a bit higher, although I get a discount for homeowner's. I believe it is worth it simply because I do not like having to suddenly come up with hundreds or more to cover stupid things like a truck kicking up a rock and fracturing my damn windshield at 70 mph.

I can at least say that no, my rates did not increase following the totaling of my last car by the nitwit that rear-ended it while I was STOPPED and waiting to make a turn. (Just in case someone jumps on that (again), in NY vehicle and traffic law, I was 100% legal, and even testified against him when he tried to get out of his ticket; he was found guilty and fined).
 
2013-01-06 08:41:12 AM
 
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