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Started By
Message
re: When to file an insurance claim?
Posted on 9/18/14 at 11:55 am to VetteGuy
Posted on 9/18/14 at 11:55 am to VetteGuy
My opinion is you can probably go with a standard company for cheaper depending on your total dwelling coverage and location
But they also have some pretty good new markets for high value homes now
But they also have some pretty good new markets for high value homes now
2
Posted on 9/18/14 at 11:56 am to ThePoo
Do we have a consensus here? Don't file?
Posted on 9/18/14 at 11:56 am to sean5340
I can assure you that 5% is not good and not normal
Posted on 9/18/14 at 11:56 am to ThePoo
quote:
I don't know how major companies get any new homeowners business in southeast LA
I'm pretty sure State Farm isn't writing new homeowners policies.
Posted on 9/18/14 at 11:56 am to ThePoo
quote:In Calcasieu Parish its Allstate. For high value or difficult homes, they'll do Northlight.
Doesn't Allstate do split policies with like north light ?
Everywhere north of Calcasieu it's Allstate.
In Cameron it's Louisiana Citizens. LOL Cameron.
Posted on 9/18/14 at 11:57 am to CidCock
I believe the agents say don't file
Posted on 9/18/14 at 11:57 am to ThePoo
Yeah, I think all the agents in here agree on that.
Posted on 9/18/14 at 11:58 am to ThePoo
The price was very good, it was within a few hundred dollars of SF.
It was so good I researched the heck out of them and I really didn't find any negatives.
In talking with the agent, he said Chubb is aggressively pursuing this market b/c of the lack of claims and the credit-worthiness of the customers.
It was so good I researched the heck out of them and I really didn't find any negatives.
In talking with the agent, he said Chubb is aggressively pursuing this market b/c of the lack of claims and the credit-worthiness of the customers.
Posted on 9/18/14 at 12:00 pm to FT
In my area we just see splits with north light and citizens. Split policies are relatively easy to beat especially when they learn what north light and citizens are
My problem is with the major companies agents not telling the clients that it is a split policy, a lot of times they just see the Allstate paper and assume it's all allstate
My problem is with the major companies agents not telling the clients that it is a split policy, a lot of times they just see the Allstate paper and assume it's all allstate
Posted on 9/18/14 at 12:03 pm to ThePoo
No, I'm super up front about Northlight. And their rates have been pretty competitive for me lately.
Citizens in the most god awful, unwieldy thing on the planet.
Citizens in the most god awful, unwieldy thing on the planet.
Posted on 9/18/14 at 12:03 pm to CidCock
quote:
Do we have a consensus here? Don't file?
its up to you, you are right on the cusp, can you afford the $700 difference?
Posted on 9/18/14 at 12:04 pm to VetteGuy
Are you in mandeville? Unless you have something that is causing other companies to not accept you, you should be able to find a standard company that is significantly cheaper than SF it is definitely one of the higher rates you will come across in the standard market.
But you are finding I think had a lot to do with where you are located
But you are finding I think had a lot to do with where you are located
Posted on 9/18/14 at 12:04 pm to FT
quote:
Citizens in the most god awful, unwieldy thing on the planet.
It's b/c they are the last resort insurance , for people that can not obtain it.. that's why
Posted on 9/18/14 at 12:05 pm to NYCAuburn
quote:
its up to you, you are right on the cusp, can you afford the $700 difference?
yea, I mean, I HAVE the money.
Posted on 9/18/14 at 12:06 pm to Phil A Sheo
It's also because LOUISIANA. Citizens is not backed by Louisiana 
Posted on 9/18/14 at 12:06 pm to ThePoo
quote:
Are you in mandeville? Unless you have something that is causing other companies to not accept you, you should be able to find a standard company that is significantly cheaper than SF it is definitely one of the higher rates you will come across in the standard market.
But you are finding I think had a lot to do with where you are located
I'm in Houma.
Posted on 9/18/14 at 12:07 pm to sean5340
I don't do much writing in Houma but if you are with an independent agent there is a good chance you may be with my agency
Posted on 9/18/14 at 12:08 pm to ThePoo
2.6 miles from the lake.
SF initially said they would write me, then they wouldn't, then I think they said they would.
By that time, I found Chubb and just went with them. I didn't really shop Chubb's price, it seemed pretty good.
SF initially said they would write me, then they wouldn't, then I think they said they would.
By that time, I found Chubb and just went with them. I didn't really shop Chubb's price, it seemed pretty good.
Posted on 9/18/14 at 12:08 pm to sean5340
Faulty wifi
This post was edited on 9/18/14 at 12:09 pm
Posted on 9/18/14 at 12:08 pm to CidCock
quote:
yea, I mean, I HAVE the money.
if you have the money and its not that big of a strain on you, then dont make the claim. like I said, you right on the cusp of it.
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