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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
    More: Asinine, Allstate, Hurricane Sandy, Staten Island, homeowners insurance, living wall, police tape, thank you, New Dorp Beach  
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13706 clicks; posted to Main » on 03 Jan 2013 at 11:31 PM (3 years ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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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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