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re: Home Owners Insurance

Posted on 1/28/14 at 5:29 pm to
Posted by whodat4ever
Indaboot
Member since Aug 2012
107 posts
Posted on 1/28/14 at 5:29 pm to
Water Damage

*busted water heater
*drain backed up
Posted by ThePoo
Work
Member since Jan 2007
60634 posts
Posted on 1/28/14 at 5:30 pm to
Yeah you are in bad shape
Posted by HebertFest08
The Coast
Member since Aug 2008
6398 posts
Posted on 1/28/14 at 5:31 pm to
quote:

Here's my deal, I was dropped from State Farm because I made 2 claims within a 3 year period. Had I known I would have been dropped, I would have never made a 2nd claim.

Lesson to everyone--don't make 2 claims within a 3 year period.


worst part about this is that no one will write you except for certain high risk companies.... The insurance business is kind crazy, certain situations certain companies some will beat others and vice versa. that being said, if your credit sucks then you will pay more for your insurance.
also, 1 water claim on your place is a death blow for at least 5 yrs....
Posted by ThePoo
Work
Member since Jan 2007
60634 posts
Posted on 1/28/14 at 5:33 pm to
Not necessarily 5 years depending on the company it could be only 3 years
Posted by HebertFest08
The Coast
Member since Aug 2008
6398 posts
Posted on 1/28/14 at 6:51 pm to
yeh i know, but more so than not its 5.
In the business and nothing sucks more than losing business due to a claim... happens a lot.
Posted by VetteGuy
Member since Feb 2008
28719 posts
Posted on 1/28/14 at 6:51 pm to
Chubb.
Posted by HebertFest08
The Coast
Member since Aug 2008
6398 posts
Posted on 1/28/14 at 6:54 pm to
quote:

Chubb.

We use them as well...
Posted by Paul Allen
Montauk, NY
Member since Nov 2007
75373 posts
Posted on 1/28/14 at 7:05 pm to
Lexelite > Chubb
Posted by VetteGuy
Member since Feb 2008
28719 posts
Posted on 1/28/14 at 7:20 pm to
Why?
Posted by Paul Allen
Montauk, NY
Member since Nov 2007
75373 posts
Posted on 1/28/14 at 7:33 pm to
You tell me
Posted by justsaying
So. La.
Member since Jun 2010
253 posts
Posted on 1/28/14 at 7:47 pm to
If you can get Horrace Mann take it.
Posted by Skin
Member since Jun 2007
6370 posts
Posted on 1/28/14 at 8:09 pm to
Armed Forces is cheap and has been very good to me.
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