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.
rfoss28: articles like this make me proud to work at Geico =D
GoodOmens: Great Janitor: here:LinkList 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....
chewielouie: Allscam./not surprised one bit.
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.
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.
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?
CruJones: /also made four Home Warranty claims in three weeks this year//all miraculously approved, even a brand new pool filter///not Allstate though
Vegetative reproduction: [1.bp.blogspot.com image 850x478]
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.
Stranded On The Planet Dumbass: Our lawyers did very well
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.
mugwump867: CruJones:/also made four Home Warranty claims in three weeks this year//all miraculously approved, even a brand new pool filter///not Allstate thoughI 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.
Bruce Campbell: Stranded On The Planet Dumbass: Our lawyers did very wellNo. 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.
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.
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.
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!
nickerj1: Erie Insurance is probably the best nationwide insurance company for cost per coverage, customer service, and claim approval.
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.
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.LinkWhat you said was pretty much wrong.
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 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.Yeah, about that windshield replacement, it may not have been you're fault, but it will count against you.
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