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Started By
Message
1
Posted on 8/17/16 at 1:01 pm to DCtiger1
The point that seemed to get across was that insurance companies have a vested interest in keeping payouts low as to not rock the boat. I know this isn't for all people who have made claims but it does make sense.
Posted on 8/17/16 at 1:01 pm to Chad504boy
You're right, frivolous class actions with no realistic footing are never filed in this country....
Posted on 8/17/16 at 1:02 pm to Breesus
An insurance policy is a legal contract. Is it the insurers fault that you don't understand what is covered vs not covered for a particular policy?
Posted on 8/17/16 at 1:03 pm to Breesus
quote:
You're right, frivolous class actions with no realistic footing are never filed in this country....
i'm just asking what you think is being filed here?
Posted on 8/17/16 at 1:03 pm to DCtiger1
quote:
you honestly believe that these companies exist by continuously fricking over their customers you're out of your mind.
Getting something is better than nothing and legally you have to have insurance.
Insurance claims are always a fight.
You think insurance companies exist to help the insured to they best of their abilities?
Have you ever worked in the industry before?
Posted on 8/17/16 at 1:04 pm to Breesus
quote:
Insurance is built to harp on exclusions and definitions and frick the insured every way it can especially in times like tgisy
Its also the policy holders responsibility to know their policy. You did sign if after all.
Posted on 8/17/16 at 1:08 pm to DCtiger1
I know companies and individuals who are still fighting for Hurricane Katrina claims.
Posted on 8/17/16 at 1:08 pm to Breesus
quote:
You think insurance companies exist to help the insured to they best of their abilities
They exist to make a profit. Come on man.
Posted on 8/17/16 at 1:09 pm to More beer please
quote:
Its also the policy holders responsibility to know their policy. You did sign if after all.
Any good insurance adjuster can wiggle out of just about anything.
Don't pretend there's a word of that policy meant to help or protect the insured.
I don't know why this is a conversation. It's a well known fact.
Everyone has insurance, because getting something is better than getting nothing, but people also need to know insurance companies will for the most part try to frick you.
Like any business, they look after their bottom line first
Posted on 8/17/16 at 1:10 pm to MightyYat
quote:
t's going to get dicey with these mother frickers. They will do whatever it takes to not have to pay out. The wind-driven water debate after Katrina lasted for years.
You realize flood is not paid out by the insurance companies that write it? It is the federal govt.
Also... If most people wouldn't be so damn adamant about having the cheapest shite possible you may get better service.
Posted on 8/17/16 at 1:10 pm to unclejhim
quote:
Who told you this?
A lady who supposedly worked for an insurance agent.
Posted on 8/17/16 at 1:11 pm to Smalls
Sewer backup vs back flooding is the defining misunderstanding here
Posted on 8/17/16 at 1:12 pm to Smalls
quote:
A lady who supposedly worked for an insurance agent.
Agents dont know shite about policies. The underwriters and adjusters do.
Posted on 8/17/16 at 1:12 pm to Weekend Warrior79
Bad adjuster. Every single step of the way no one that stepped into the house could believe his $80,000 "miscalculation". His first words on the property were "Well, this doesn't look that bad!"
I'm not going to argue this and let's just say I'm very very familiar with the construction industry, but the whole house was torqued and all the insulation was wet, and most of the nails on three sides of the house were popped. We had a 50 foot gaping hole in the roof with a 150 foot water oak through it. Water was pouring in between hurricanes and we aren't even talking contents of the house yet.
The initial low ball and the "non charitable" aspect of their business model was a nightmare.
I'm not going to argue this and let's just say I'm very very familiar with the construction industry, but the whole house was torqued and all the insulation was wet, and most of the nails on three sides of the house were popped. We had a 50 foot gaping hole in the roof with a 150 foot water oak through it. Water was pouring in between hurricanes and we aren't even talking contents of the house yet.
The initial low ball and the "non charitable" aspect of their business model was a nightmare.
Posted on 8/17/16 at 1:13 pm to tonydtigr
quote:
Hell, we had to fight the insurance company all the way when our house got crushed by a tree during Gustav.
This is Homeowners, not Flood, I wish people would stop confusing the two. They are handled and treated very differently by insurance companies and correlations are basically pointless.
Posted on 8/17/16 at 1:13 pm to Breesus
quote:
Any good insurance adjuster can wiggle out of just about anything.
And a lifetime claimant knows how to work the system just as well. If if wasnt for all of those types, the insurance companies and adjusters could be a lot more lenient.
Posted on 8/17/16 at 1:13 pm to More beer please
quote:humor folks
The underwriters and adjusters do.
Posted on 8/17/16 at 1:13 pm to Breesus
You legally have to have auto insurance.
You do not legally have to have Life, Home, Flood, workers comp, etc.
and yes insurance companies missions at their core is to help people recover as best as possible. Pay what they owe, nothing more, nothing less.
I've worked on the legislative side as well as within the P and C industry for years.
You do not legally have to have Life, Home, Flood, workers comp, etc.
and yes insurance companies missions at their core is to help people recover as best as possible. Pay what they owe, nothing more, nothing less.
I've worked on the legislative side as well as within the P and C industry for years.
Posted on 8/17/16 at 1:15 pm to DCtiger1
quote:
There are bad situations in all industries, but please let's ignore the millions of instances that insurance companies have made their customers whole after a loss or a death
Not saying all are bad by any means, there are some good ones out there. However it's ignorant to say that there has not been, at least some, questionable cases just in south Louisiana over the past couple major storms.
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