If you can read this, either the style sheet didn't load or you have an older browser that doesn't support style sheets. Try clearing your browser cache and refreshing the page.

(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 35
    More: Asinine, Allstate, Hurricane Sandy, Staten Island, homeowners insurance, living wall, police tape, thank you, New Dorp Beach  
•       •       •

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»



Voting Results (Smartest)
View Voting Results: Smartest and Funniest


Archived thread
2013-01-03 11:40:12 PM
6 votes:
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 10:20:38 PM
5 votes:

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 12:15:00 AM
4 votes:
here:

Link

List of the ten worst insurance companies in the United States. Allstate is number 1.
2013-01-04 12:44:27 AM
3 votes:

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 12:15:24 AM
3 votes:
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.
2013-01-03 11:50:40 PM
3 votes:
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 11:45:50 PM
3 votes:
Allscam.

/not surprised one bit.
2013-01-04 04:52:17 AM
2 votes:
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 04:05:08 AM
2 votes:

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 02:19:40 AM
2 votes:

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 12:49:10 AM
2 votes:
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 12:23:29 AM
2 votes:
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 12:02:12 AM
2 votes:

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 12:12:24 PM
1 votes:

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 06:54:36 AM
1 votes:
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 06:28:33 AM
1 votes:
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 05:58:33 AM
1 votes:
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 02:21:06 AM
1 votes:

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 02:04:23 AM
1 votes:

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 01:53:45 AM
1 votes:

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 01:47:16 AM
1 votes:

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 01:45:27 AM
1 votes:

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 01:39:58 AM
1 votes:

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 01:36:43 AM
1 votes:

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 01:36:22 AM
1 votes:

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 01:04:22 AM
1 votes:
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 12:59:26 AM
1 votes:

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 12:42:09 AM
1 votes:
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 12:33:29 AM
1 votes:

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 12:27:15 AM
1 votes:
Scroll down to the bottom of the page, you'll notice

"We recommend...oral sex for testimony"

Well, alrighty then!
2013-01-04 12:07:46 AM
1 votes:
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 12:05:36 AM
1 votes:
Goddamn Google for eating my links.

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

TAKE THAT, GOOGLE. EAT IT NOW.
2013-01-03 11:47:51 PM
1 votes:
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 11:37:59 PM
1 votes:

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 11:37:44 PM
1 votes:
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.
 
Displayed 35 of 35 comments

View Voting Results: Smartest and Funniest


This thread is archived, and closed to new comments.

Continue Farking
Submit a Link »






Report