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(Yahoo)   You know the picture of the destroyed Staten Island home that Allstate uses in the ad patting themselves on the back for how awesome and helpful they are? Yeah, Allstate's stiffing the couple that owns it and refusing to pay off their policy   (news.yahoo.com) divider line 171
    More: Followup, Allstate, Staten Island, Sheila Traina, Staten Island Advance, flood insurance, New Dorp Beach  
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11695 clicks; posted to Main » on 09 Jan 2013 at 11:55 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-01-09 11:49:45 AM
Well, it looks like getting the "Good Hands", they just got the finger.
 
2013-01-09 11:55:53 AM
This is the third greenight on this story. (at least)
 
2013-01-09 11:57:29 AM
Works better when you read this in Dennis Haysbert's voice...
 
2013-01-09 11:59:05 AM
We took some damage from the hurricane, and allstate was a complete clusterfark to deal with on a very straight forward flooded car claim. Thankfully we didn't need the money urgently, but it still took almost 2 months to see a check, and every phone call we would have with them would end with us being told something different, them asking for stuff they already had, etc.

Needless to say, as soon as the check cleared, the first thing I did was find a new insurance company.
 
2013-01-09 11:59:05 AM

ThatGuyFromTheInternet: This is the third greenight on this story. (at least)


This
 
2013-01-09 11:59:53 AM
Allstate, you're in good UFIA.
 
DGS [TotalFark]
2013-01-09 12:00:26 PM
Stay tuned next week when this story breaks.
 
2013-01-09 12:00:57 PM
It's almost like we've had this thread before...
 
2013-01-09 12:01:40 PM
Again? Damn Allstate.
 
MN8
2013-01-09 12:02:25 PM
You mean the policy that excludes flood damage? They choose not to pay for Flood Coverage, then got a flooded house and are now butt hurt?
 
2013-01-09 12:04:48 PM
Gee, you think with all the negative publicity they are getting from this, they'd say, "Oh, our bad, our initial claims of flood damages were incorrect blah blah blah anyways here's the full amount you were covered for."

But I guess I just don't think like a business man.
 
2013-01-09 12:05:28 PM
An insurance company pissing on a customer? Urine good hands, indeed!
 
2013-01-09 12:06:52 PM

MN8: You mean the policy that excludes flood damage? They choose not to pay for Flood Coverage, then got a flooded house and are now butt hurt?


From the last 4 times I read this story they pretty much have witnesses that said the roof was gona and some of the walls had been destroyed by high winds well before the storm surge destroyed the rest of what was left.

Seems to me it would be like having a house fire and them claiming the damage was "flood related" because the fire hoses got everything wet.

/although if you do have a fire, smoke and water will do WAY more damage than the actual fire ever did.
 
2013-01-09 12:07:03 PM
Has Allstate ever paid a claim? That used to be their problem years ago anyway.
 
2013-01-09 12:07:11 PM
Just like how AIG is showing "Thanks America" commercials while suing the US government over the bailout they received.
 
2013-01-09 12:07:26 PM
Quotes from neighbours suggest the house was damaged far before the flooding was a factor.
 
2013-01-09 12:07:37 PM

MN8: You mean the policy that excludes flood damage? They choose not to pay for Flood Coverage, then got a flooded house and are now butt hurt?


You mean you read the article? Like the part where the roof of the house came off from the wind?
 
2013-01-09 12:07:43 PM
I'm pissed off now, Allstate. Look, I go to you. I stick up for you. You don't help me now. I say "Fark you," Allstate, I do it myself.
 
2013-01-09 12:11:57 PM
Yawn. Insurance companies become the enemy from the second you file the claim. Their profitability is founded on keeping premiums high and payouts low, after all.
 
2013-01-09 12:13:48 PM
Why should they pay? $9.7B was just approved by the people who apparently ARE supposed to pay.

/only half serious
//or less
 
2013-01-09 12:14:10 PM
Here's my suggestion:
ATTENTION ALLSATES BIGGEST COMPETITOR IN THAT MARKET.

Go to these people. Fix their house. Get them to switch to you. Then pay them to be spokespeople for you.
 
2013-01-09 12:16:00 PM

Fizpez: MN8: You mean the policy that excludes flood damage? They choose not to pay for Flood Coverage, then got a flooded house and are now butt hurt?

From the last 4 times I read this story they pretty much have witnesses that said the roof was gona and some of the walls had been destroyed by high winds well before the storm surge destroyed the rest of what was left.

Seems to me it would be like having a house fire and them claiming the damage was "flood related" because the fire hoses got everything wet.


To say nothing of the fact that that insurance companies are notorious for using the "you got flooded, no check!" excuse whenever there's storm damage, even when there's clear evidence that a storm surge never reached a property.
 
2013-01-09 12:16:23 PM
It's the ol' Katrina scam. Wind blew the roof off the house, which is covered. Oops, 6 inches of water so now it's flood damage. What, you didn't purchase extra flood insurance? Sorry, go cry somewhere else.
 
2013-01-09 12:16:51 PM
So let's see...hmmm...major insurance company...and they advertise all the time on national TV...so they spend vast amounts of money on national TV advertising...and yet they don't seem to care about their customers...hmmm...

What conclusions can we draw?
 
2013-01-09 12:17:10 PM
New Derp Beach?

/it's strong in these ones
 
2013-01-09 12:18:00 PM

ImRonBurgundy: I'm pissed off now, Allstate. Look, I go to you. I stick up for you. You don't help me now. I say "Fark you," Allstate, I do it myself.


They really didn't appreciate your offering of a cigar and rum. Or your chicken sacrifice.
 
2013-01-09 12:18:12 PM
This story had to be greenlit again because the wind was really strong and caused the last two greenlights to spontaneously collapse before they hit CommonFark.

I sware it's true because my neighbor saw it happen.
 
2013-01-09 12:18:28 PM
Deja Thread...

They didn't buy flood insurance and live near the water. The only thing Allstate has to go on is a hearsay from the couple about a neighbor that saw the wind collapse the roof.
 
2013-01-09 12:18:41 PM
They'll be OK though. 9 billion dollars worth of rum and library roofs are coming their way.
 
2013-01-09 12:18:48 PM
LOL Insurance is a scam. And water is wet.
 
2013-01-09 12:19:27 PM

tshauk: ThatGuyFromTheInternet: This is the third greenight on this story. (at least)

This


Does anyone at Fark even try any more.
I picture a den of Kentucky WOW gold farmers where every once in a while the foreman randomly selects a thread to go green and shouts "Go Green?"
Then the farmers all look up and shout back "Go Green!!"
They all do a shot of Makers Mark, the foreman posts the thread and the workers go back to gold farming some gold.
 
2013-01-09 12:19:48 PM
You know the picture of the destroyed Staten Island home that Allstate uses in the ad patting themselves on the back for how awesome and helpful they are? Yeah, Allstate's stiffing the couple that who own it and refusing to pay off their policy

FTFY
And when you're in good hands, that means balled fists pounding you senseless

/apparanetly
 
2013-01-09 12:20:21 PM

ImRonBurgundy: I'm pissed off now, Allstate. Look, I go to you. I stick up for you. You don't help me now. I say "Fark you," Allstate, I do it myself.


Clearly they didn't appreciate your offering of a cigar and rum. Or the chicken sacrifice.
 
2013-01-09 12:21:09 PM
Crap, computer got weird. Sorry for the double post.
 
2013-01-09 12:22:22 PM
Fizpez:
if you do have a fire, smoke and water will do WAY more damage than the actual fire ever did.

i48.tinypic.com

And sometimes not.
 
2013-01-09 12:23:03 PM
In Other News:

You know the picture of the destroyed Staten Island home that Allstate uses in the ad patting
themselves on the back . . . oh, never mind.
 
2013-01-09 12:23:42 PM

millsapian87: Just like how AIG is showing "Thanks America" commercials while suing the US government over the bailout they received.


They are not suing the government. A group of shareholders are (led by the ex-CEO who was forced out for screwing up the company), and they've put a motion before the board for AIG to join the suit. The board is required to consider the proposal, which they are doing today. I would be rather surprised if they actually joined the suit considering what a PR shiat-storm this has been already.
 
2013-01-09 12:23:51 PM
Gold is like rape so I said it twice.

/gold
//rape
///goldilocks rapenstein
////rumpled foreskin spins gold from the foreskins of our fore fathers
////my train of thought has derailed
 
2013-01-09 12:24:06 PM

DeathCipris: Deja Thread...

They didn't buy flood insurance and live near the water.


I searched Google Maps to see where New Dorp Beach is. According to what they have marked off this couple (at most) lives like 10 or 11 blocks from the ocean.

I feel bad for their losses: but godammit people, stop living so close to water and being shocked when you get flooded.
 
2013-01-09 12:24:16 PM

Fizpez: they pretty much have witnesses that said the roof was gona and some of the walls had been destroyed by high winds well before the storm surge destroyed the rest of what was left.


If Allstate has physical evidence that suggests the eyewitness accounts are not truthful, and the cause of the damage actually was flooding, they are right to deny the claim.

/although if you do have a fire, smoke and water will do WAY more damage than the actual fire ever did.

Letting a fire burn unchecked will destroy everything you own and maybe some of your neighbors' property. Extinguishing a fire will leave you with smoke and water damage destroying only most of what you own.
 
2013-01-09 12:24:17 PM
Satanic_Hamster: "Go to these people. Fix their house. Get them to switch to you. Then pay them to be spokespeople for you."

The problem with that? AllStates' competition are all busily doing the same thing to their own customers.
Trying to use this to get press would only cause one of their own wronged customers to stand up and get press.

Then they're out a few hundred grand for a stab at a 'positive' story that's backfired.
And instead of their competitor getting a shiat ton of bad press, driving people to their door *anyway*, now the bad press is (also) on them.
 
2013-01-09 12:27:37 PM
The original purpose of flood insurance (mudslides included) was to ensure communities had building codes that would prevent damage to homes in flood-prone areas. Strange, no?
 
2013-01-09 12:28:37 PM

Satanic_Hamster: Here's my suggestion:
ATTENTION ALLSATES BIGGEST COMPETITOR IN THAT MARKET.

Go to these people. Fix their house. Get them to switch to you. Then pay them to be spokespeople for you.


Good business plan.. pay out uncovered claim for $250,000, receive $20,000 in new premiums!
 
2013-01-09 12:28:43 PM

stiletto_the_wise: LOL Insurance is a scam. And water is wet.



This. But it's also illegal to own anthing important (like a car or a house) without it.

Funny story...
I've had the same insurance guys since I started driving 25 years ago. Father and son team ran an Allstate office in town. One day my wife went down there too pay the bill, and the office was empty and locked up. They totally just left town without a word.

I did run into a problem with them only once. I got into a wreck. I was sitting at a light. I wasn't even moving. I got hit by the car that caused the wreck when it ricoched. That was no fun.
So I go to my "friends" of 25 years and say:
"hey, can you help me with a rental car?"
"No. You didn't have that on your policy."
"C'mon guys! 25 years without EVER making a claim and you can't help me with something that was clearly not my fault?!"
"No."

Assholes.
 
2013-01-09 12:30:10 PM
Talk to any lawyer who deals with insurance companies regularly. Ask them which company sucks the most.
 
2013-01-09 12:30:41 PM
True Fact:

The Washington State Bar Association runs training for attorneys specifically on how to deal with Allstate. That is how big a pack of douchebags they are. Even lawyers hate them.
 
2013-01-09 12:31:28 PM
This would never happen to Mark Trail.
 
2013-01-09 12:32:41 PM

durbnpoisn: stiletto_the_wise: LOL Insurance is a scam. And water is wet.


This. But it's also illegal to own anthing important (like a car or a house) without it.


No it's not. I own vehicles with no insurance on them. If I want to drive them on the road, I need to insure them.

My house is insured not because the government makes me, but because the bank (the actual owners of the property) make me. If you own your home outright, you can cancel your insurance any time you like.
 
2013-01-09 12:32:51 PM

mjohnson71: I feel bad for their losses: but godammit people, stop living so close to water and being shocked when you get flooded.


Alternatively, buy a damn NFIP policy - it's like $250 for the YEAR. Also, take a bit of time (yes, and money) and make sure your place can withstand a 100-year flood. Hell, if you plan on owning the place for a long time, plan for the 500-year flood.

The hassle you save yourself during the first hurricane/major rainstorm, not to mention the fact that your shiat won't get ruined (financially speaking as well as literally) will more than be worth it.

// a "100-year flood" is a major flood with a 1% annual chance of happening - a major flood
// for the life of a 30-year mortgage, a 100-year flood has a 25% chance of happening
// you wanna take a 1-in-4 gamble on your house and everything in it?
 
2013-01-09 12:34:04 PM
mjohnson71: "I feel bad for their losses: but godammit people, stop living so close to water and being shocked when you get flooded."

I'm guessing you're not suggesting that people who live in seaside homes on cliffs shouldn't be surprised if their homes flood.
So we're talking grey areas based on elevation and surrounding elevation and climate and history, not simply lateral distance from the shore.
So the reasonable, relevant question quickly becomes: "When's the last time that area flooded"?

If they live in a place that hasn't flooded in, say, the last hundred years or so, I think it's reasonable to be surprised when it happens.
I have no idea what the particulars are for *this* particular situation. I'm just saying simple proximity to water isn't a real useful measure on its own.

Not for determining whether these people are dumb for being surprised, nor for gauging how novel a storm of this strength in this area really was.
 
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