View in: Desktop
Copyright @2024 TigerDroppings.com. All rights reserved.
- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Posted by
Message
re: Home insurance recommendations?Posted by NATidefan on 2/14/20 at 9:21 am to Bow dude72
I went with nationwide. They gave me the best quote with equal coverage to others.
I had several people tell me they arent a hassle with claims either.
I had several people tell me they arent a hassle with claims either.
This post was edited on 2/14 at 9:24 am
re: Home insurance recommendations?Posted by NYCAuburn on 2/14/20 at 9:31 am to Bow dude72
I wont give any recs, but things to look for are how the initially settle different types of losses(Theft, total loss, wind, hurricane, etc), the max contents coverage, what losses are covered and not, and most of all individual category limits on things(guns, jewelry, data equipment, etc...)
Basically look at all the exclusions and limits. thats all most adjusters pay attention too
Basically look at all the exclusions and limits. thats all most adjusters pay attention too
This post was edited on 2/14 at 9:44 am
quote:I work contents claims and Nationwide is a customer of mine. I dont handle them nationwide on normal claims, but do their unusual items from all over. Their field adjusters are overworked and their offices adjuster seem to not be able to make a definitive decision on anything.
I had several people tell me they arent a hassle with claims either.
the large carriers such as nationwide do seem to be a little more harsh on items, whereas the smaller companies just seem to want to retain a customer and give them a little leeway.
re: Home insurance recommendations?Posted by TDsngumbo on 2/14/20 at 9:37 am to Bow dude72
Are you in Louisiana? If so, stick to the big companies like Farm Bureau, State Farm, USAA if you can. Those three have the fantastic reputations that they have for a reason. In fact, anyone who tells you they were fricked by one of those companies at claim time either:
a) has an incorrect opinion of how insurance is supposed to work
b) had a shitty agent that didn't fight for them
You can get great claim service at some of the smaller companies also but only if the claim is a large & undeniable claim such as a total or near total loss. It's hard for companies to fight you on those types of losses. Smaller claims such as burst pipes or hail damage and the smaller companies will nickle and dime your arse in a heartbeat.
a) has an incorrect opinion of how insurance is supposed to work
b) had a shitty agent that didn't fight for them
You can get great claim service at some of the smaller companies also but only if the claim is a large & undeniable claim such as a total or near total loss. It's hard for companies to fight you on those types of losses. Smaller claims such as burst pipes or hail damage and the smaller companies will nickle and dime your arse in a heartbeat.
quote:
In fact, anyone who tells you they were fricked by one of those companies at claim time either:
Most of the time they simply dont understand the policy they signed/purchased
quote:I dont think I have every had an agent sway a claim except for them acknowledging that they sold the wrong policy(ACV, not RCV. Didnt change their special limits or add scheduled items, etc...)
b) had a shitty agent that didn't fight for them
quote:it is kind of funny I have found the opposite. everyone has a different experience
You can get great claim service at some of the smaller companies also but only if the claim is a large & undeniable claim such as a total or near total loss. It's hard for companies to fight you on those types of losses. Smaller claims such as burst pipes or hail damage and the smaller companies will nickle and dime your arse in a heartbeat.
This post was edited on 2/14 at 9:43 am
re: Home insurance recommendations?Posted by Bow dude72 on 2/14/20 at 9:45 am to TDsngumbo
I am in Louisiana
re: Home insurance recommendations?Posted by PillageUrVillage on 2/14/20 at 9:46 am to TDsngumbo
quote:
Farm Bureau
Who I have and am completely satisfied with them. Any time I've had to make a claim for anything, they come through without hassle.
quote:
Most of the time they simply dont understand the policy they signed/purchased
Correct
quote:
I dont think I have every had an agent sway a claim
I had a hail claim once. The company sent an independent adjuster out to inspect the holes in my shingles and he said I had $100 worth of damage, which was 100% bullshite. I had actual holes in the shingles. I called my agent and sent him pictures of my shingles. He compared my pics to the estimate and he agreed that it was bullshite. He made one call to the claims office and had that particular adjuster removed from my claim and another one assigned to it. The new adjuster came out a few days later and he was on my roof for five minutes, came down, and wrote me a check on the spot for $10,000. Total roof loss.
re: Home insurance recommendations?Posted by TDsngumbo on 2/14/20 at 9:51 am to PillageUrVillage
quote:
quote:
Farm Bureau
Who I have and am completely satisfied with them. Any time I've had to make a claim for anything, they come through without hassle.
Yep, they're one of the Big 3, as I like to call State Farm, Farm Bureau, and USAA.
TD SponsorTD Fan
USA
Member since 2001
USA
Member since 2001
Thank you for supporting our sponsors Posted by Site Sponsor to Everyone
Advertisement
quote:
The company sent an independent adjuster
Yeah they can suck sometimes, based on their company and how they marketed their services to the carrier. Or just simply because they hired some noob out of college and gave no real training or shadowing
Amica and USAA
I had Amica. Only claim in 15 years was a breeze.
Saved a few pennies by putting current house with USAA.
Tree limb thru bedroom within 6 months.... no problems.
I did not find the rates more then $150 between these and other companies for comparable plans.
Rating
LINK
edit for your google fun
I had Amica. Only claim in 15 years was a breeze.
Saved a few pennies by putting current house with USAA.
Tree limb thru bedroom within 6 months.... no problems.
I did not find the rates more then $150 between these and other companies for comparable plans.
Rating
LINK
edit for your google fun
This post was edited on 2/14 at 3:18 pm
re: Home insurance recommendations?Posted by anewguy on 2/14/20 at 11:52 am to Bow dude72
Depends what your looking for. Lots of different variables in companies. Most policies start on the basic HO-3 form, then they add/subtract coverages from there.
ETA: Make sure you have water backup. This is one of the most common claims on a home besides hail damage. Also look at their roof payment schedules as I have started to see some weird payment schedules deepening on age of roof.
ETA: Make sure you have water backup. This is one of the most common claims on a home besides hail damage. Also look at their roof payment schedules as I have started to see some weird payment schedules deepening on age of roof.
This post was edited on 2/14 at 11:55 am
re: Home insurance recommendations?Posted by fishfighter on 2/14/20 at 12:13 pm to anewguy
Been with SF close to 40 years on three different houses. In that time, I had made three claims. All 3 were high dollar amount. Very good about the claims. I been shopping around the last 10 years and nobody could come close to their rates. Reason, been with them so long.
re: Home insurance recommendations?Posted by Tigre85 on 2/14/20 at 6:43 pm to fishfighter
I have been happy with state farm .
re: Home insurance recommendations?Posted by Twenty 49 on 2/15/20 at 12:54 pm to Bow dude72
Your premium may be significantly cheaper if you also insure your car with the same insurer. Multi-line discount. For example, State Farm was a good bit higher than Shelter for my homeowners, but State Farm was way cheaper after it discounted the premium due to me having my cars with them.
Ask about sewer backup coverage. Many policies don't include it unless you get an inexpensive endorsement. If shite water backs up from the city's pipes into your shower drains and ruins your floors, you'll be wanting that. My neighbors found out the hard way that they did not have it.
Get a policy that provides replacement cost instead of actual cash value. When my worn out 20 year old old roof got hail damage, my replacement value coverage paid 100% for a new roof. With actual cash value, they would depreciate it based on age and hand me $10, if that.
HO5 is the Cadillac policy with replacement cost coverage. HO3 is more basic and won't cover as many perils to your contents and other property, and it is probably actual cash value.
Ask about sewer backup coverage. Many policies don't include it unless you get an inexpensive endorsement. If shite water backs up from the city's pipes into your shower drains and ruins your floors, you'll be wanting that. My neighbors found out the hard way that they did not have it.
Get a policy that provides replacement cost instead of actual cash value. When my worn out 20 year old old roof got hail damage, my replacement value coverage paid 100% for a new roof. With actual cash value, they would depreciate it based on age and hand me $10, if that.
HO5 is the Cadillac policy with replacement cost coverage. HO3 is more basic and won't cover as many perils to your contents and other property, and it is probably actual cash value.
re: Home insurance recommendations?Posted by anewguy on 2/18/20 at 2:40 pm to fishfighter
I just beat the dog shite out of state farm with higher limits and lower deductibles.
re: Home insurance recommendations?Posted by BoogaBear on 2/19/20 at 1:22 pm to Bow dude72
Going through a claim with Allstate right now and they are horrible.
Tornado hit my rental house and they are saying everything was preexisting damage, they can just nail it back up.
Tornado hit my rental house and they are saying everything was preexisting damage, they can just nail it back up.
Back to top
Follow TigerDroppings for LSU Football News