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Started By
Message
re: Insurance story from this week
Posted on 5/21/25 at 3:07 pm to 777Tiger
Posted on 5/21/25 at 3:07 pm to 777Tiger
quote:
another good point, when the mortgage company receives notification that their property is not covered, they will give the mortgagee an opportunity to bring the policy up date and they don't do so they will purchase a policy that protects them, not the mortgagee, in the event of damages, and will be tacked on to the mortgage and will probably be more expensive than a typical homeowner policy
In my case, it was the property tax estimate. They were using the previous owner's property tax, who had the senior citizen discount. My actual property tax was 5x higher.
0
Posted on 5/21/25 at 3:07 pm to ThePoo
quote:
Never heard of quarterly pay?
it goes like this issuing a policy.
you click on the pay plan option
it has a box saying the amount needed to pay for policy.
you process payment for said needed amount.
it ain't like an agent is taking out a calculator and saying "hmmm let me figure out what amount we can pay today".
Posted on 5/21/25 at 3:07 pm to 777Tiger
quote:
if he recently closed on a house that he didn't pay cash for, and there are exceptions, because I don't escrow if I don't have to, but many lenders won't even schedule a closing without proof of a fully paid policy in effect prior to closing, some type of loans require this
ETA: you're angry at yourself for being so stupid in this thread, and now you're just making shite up
This post was edited on 5/21/25 at 3:08 pm
Posted on 5/21/25 at 3:10 pm to Chad504boy
quote:
it ain't like an agent is taking out a calculator and saying "hmmm let me figure out what amount we can pay today".
Exactly, amazing the amount of people that think they can just pay whatever they want and the policy will stay in effect. Theres down payment requirement, then you can choose a 4 pay, 12 pay, etc..
Posted on 5/21/25 at 3:11 pm to Chad504boy
quote:
if money is owed for a non payment issue, notices go out to the policy holder. end of story.
And they didn't, you idiot. This has been communicated several times.
Posted on 5/21/25 at 3:12 pm to 777Tiger
quote:
claims to have storm damage while his policy was cancelled for non-payment?
once again, you cannot read
Posted on 5/21/25 at 3:13 pm to Harry Rex Vonner
quote:
And they didn't, you idiot. This has been communicated several times
I find that hard to believe, they 100% sent that notice. Now whether your intermediary used the right address or email who knows.
Posted on 5/21/25 at 3:13 pm to Harry Rex Vonner
quote:
And they didn't, you idiot. This has been communicated several times.
post the notice of cancellation letter you received.
Posted on 5/21/25 at 3:13 pm to Harry Rex Vonner
Did you ever get a refund ? Did you ever get a mailed cancellation ? If you paid any money at all you should have had at least that amount of days in coverage. How long has this been going on?
Posted on 5/21/25 at 3:14 pm to Broyota2
quote:
Strange thing is as an insured you cant just demand how you want to pay most companies have payment plans or premium financing. Never heard of someone saying yea let me just pay it once every 3 months.
Then why did the new agent with the same company do it automatically?
Posted on 5/21/25 at 3:14 pm to Mingo Was His NameO
quote:"i WaS oNLy pReTeNdInG bRo"
That’s, like, kind of the whole point
Posted on 5/21/25 at 3:14 pm to Chad504boy
well yes, quarterly pay has to be offered in order for someone to say they want to do quarterly pay
I am honestly not sure how an agent can make that mistake. The only thing I can think of is that this was one of the companies that allow you to input payment amount. But with a minimum pay/downpay directly listed it would seem that the agent would have essentially pulled the incorrect number out of thin air. Must either be a captive agency or a surplus lines carrier
Or he thought it was quarterly and it was actually monthly or 10 pay and thus he missed payment because he was not expecting one
I am honestly not sure how an agent can make that mistake. The only thing I can think of is that this was one of the companies that allow you to input payment amount. But with a minimum pay/downpay directly listed it would seem that the agent would have essentially pulled the incorrect number out of thin air. Must either be a captive agency or a surplus lines carrier
Or he thought it was quarterly and it was actually monthly or 10 pay and thus he missed payment because he was not expecting one
This post was edited on 5/21/25 at 3:19 pm
Posted on 5/21/25 at 3:15 pm to biglego
That’s why the agent has Errors & Omissions insurance. If it were their fault, I’d be turning my damages over to the agent’s insurance and let my lawyer handle depending on the amount of damage. This one could go either way as policyholder should have noticed a discrepancy. But the “should” vs any ambiguity/confusion would be up to court. That’s my guess, not an atty.
Posted on 5/21/25 at 3:17 pm to Harry Rex Vonner
You would have been covered by “Errors and Ommissions” probably
Posted on 5/21/25 at 3:18 pm to SuperSaint
quote:
You’re a fricking moron and an a-hole
Glad you're out of prison.
Good luck adjusting to normal life again.
Posted on 5/21/25 at 3:19 pm to Harry Rex Vonner
I haven't read all of the responses but you sound like a psycho.
Posted on 5/21/25 at 3:23 pm to TDTOM
quote:
Not gonna lie. You kinda sound retarded.
you're the guy with 21K posts in 4 years
take some vitamin D
Posted on 5/21/25 at 3:24 pm to Chromdome35
quote:
Chromdome35
quote:
WTF, find one post on this board that I've ever made in support of Hillary?? I can't stand that vile bitch.
You are absolutely the worst poster on this board, and that says a lot. You just make dumbass statements about people because they don't agree with your stupidity. Die in a fire.
pathological liar
Posted on 5/21/25 at 3:25 pm to WillFerrellisking
Assuming someone can pay that policy too
Posted on 5/21/25 at 3:29 pm to Chad504boy
quote:
post the notice of cancellation letter you received.
holy shite, you're a psycho
log off and go for a walk, or go lay down and watch Wheel of Fortune
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