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re: na
Posted on 1/5/24 at 8:52 am to Gumby84
Posted on 1/5/24 at 8:52 am to Gumby84
Right. I was living in SoCal, paying a ton on insurance, food, gas, etc. As soon as I could, I moved to Oklahoma where land is inexpensive and the COL is low.
I could have stayed in California and worked but I left and was able to retire early.
You aren't married to your zip code. Every one of us had family move from somewhere to somewhere. Don't be scared to do it yourself.
I could have stayed in California and worked but I left and was able to retire early.
You aren't married to your zip code. Every one of us had family move from somewhere to somewhere. Don't be scared to do it yourself.
0
Posted on 1/5/24 at 9:25 am to DiamondDog
NatGen will be offering fortified roof discounts on some of their HO policies. If you do reroof it might be advantageous to look into it. Zero idea now what the discount % will be.
Posted on 1/5/24 at 9:28 am to whoa
quote:
AllState
Good luck getting them to pay out on a claim. Good hands people my arse.
Posted on 1/5/24 at 9:29 am to KemoSabe65
That's part of thw problem. If your roof is old and needs replaced, replace the fricking thing.
Oh frick no. Everyone wants a hand out and expects insurance to cover it. It's a wear item just like a furnace is.
Which leads me to another reason insurance rates are so high. After any storm in the Gulf, you can find multiple posts of people filing claims for stuff above and beyond just storm damage. Hell there are threads on how to defraud FEMA to get a chainsaw or generator then return it for "free" cash.
Trashy as frick. In fact, probably the trashes shite I've read on the OT.
Oh frick no. Everyone wants a hand out and expects insurance to cover it. It's a wear item just like a furnace is.
Which leads me to another reason insurance rates are so high. After any storm in the Gulf, you can find multiple posts of people filing claims for stuff above and beyond just storm damage. Hell there are threads on how to defraud FEMA to get a chainsaw or generator then return it for "free" cash.
Trashy as frick. In fact, probably the trashes shite I've read on the OT.
Posted on 1/5/24 at 11:14 am to jorconalx
quote:
There is a reason for the denial. Tell the whole story
None. Repaired 6 times in 2 years. Shingles keep falling off.
Adjustor said problem was that I shouldn't have kept repairing it. It was better off letting it fall to pieces.
Roof wasnt replaced after Hurricane. No idea how that happened.
State Farm is known to deny roof claims apparently.
Posted on 1/5/24 at 11:57 am to chalmetteowl
quote:
Are we really getting more hurricanes than we’ve gotten in the past? There are some who’ll try to tell us this is what we get for climate change and rising sea levels
We’ve had some pretty significant storms recently. My insurance agent said most of the companies were losing their arse. The options for them are to raise rates significantly, stop writing policies or stop doing business in the state altogether.
This post was edited on 1/5/24 at 3:18 pm
Posted on 1/5/24 at 12:12 pm to DiamondDog
Define “Repaired” 6 times in 2 years?
So no new roof after Laura or Delta? Any hurricane claims paid for either/6 repairs?
What has been response from agent?
So no new roof after Laura or Delta? Any hurricane claims paid for either/6 repairs?
What has been response from agent?
Posted on 1/5/24 at 1:01 pm to Teddy1388
i work for a major bank and do mortgage loans. Our underwriters follow strict guidelines for insurance approval. IE we use replacement cost estimators from appraisals to make sure coverage is correct and accurate. there are plenty of shitty agents and polices i have seen them in my day. I haven't seen them thru goosehead
Posted on 1/5/24 at 1:07 pm to KemoSabe65
quote:
Define “Repaired” 6 times in 2 years?
I pay roofer to come out and fix a leak, flashing or replace shingles
quote:
So no new roof after Laura or Delta? Any hurricane claims paid for either/6 repairs?
No. I bought the house in 2021. Was inspected by insurance at time and roofer. Was cleared.
quote:
What has been response from agent?
State Farm agents are useless.
Posted on 8/18/24 at 2:13 pm to lnomm34
85.2% increase here.
I just asked our broker to shop it, but I’m not hopeful.
I just asked our broker to shop it, but I’m not hopeful.
Posted on 8/18/24 at 3:13 pm to lnomm34
Who with? That seems important.
You deserve it for using"welp". GD that is annoying.
You deserve it for using"welp". GD that is annoying.
Posted on 8/18/24 at 3:26 pm to lnomm34
quote:
I'm not even sure it's worth shopping around
I shop home and auto every year. I think I’ve had a different car insurance company every year for 4 or 5 years. There is no bonus points for loyalty and there is almost always a lower rate out there.
Posted on 8/18/24 at 3:32 pm to lnomm34
It's freaking madness
Posted on 8/18/24 at 3:33 pm to cyarrr
quote:
My insurance agent said most of the companies were losing their arse
That's just untrue.
If they were "losing their arse" they wouldn't be there in the first place. These people have actuaries and analysts that will tell them when they should close up shop. and it sure isn't going to be after a few years. It's going to be the instant they are told that they are no longer profitable and won't be for the foreseeable future.
If they are actually saying they are losing, they likely mean they aren't doing as well. To that I say, tough shite.
This post was edited on 8/18/24 at 3:34 pm
Posted on 8/18/24 at 3:35 pm to Odysseus32
I think they are claiming whatever, bankrupt what have you and just changing their name. Last 3 wind and hail companies came from the same city from another state.... hmmmm
This post was edited on 8/18/24 at 3:36 pm
Posted on 8/18/24 at 3:37 pm to BET
quote:
I think they are claiming whatever, bankrupt what have you and just changing their name. Last 3 wind and hail companies came from the same city from another state.... hmmmm
Maybe so, I'm unsure of the particulars. Either way, they can get fricked.
Posted on 8/18/24 at 3:42 pm to lnomm34
I got a good quote from USAA (if that’s an option for you) recently. Booted the other company I had been with for years. If not, speak with a broker and have them shop around. They can find something typically.
This post was edited on 8/18/24 at 3:43 pm
Posted on 8/18/24 at 3:43 pm to lnomm34
It’s one of the prices we pay for the privilege of living in Louisiana. Just look at it that way.
Posted on 8/18/24 at 3:58 pm to SelaTiger
Not sure why this isn't a hot topic with inflation, they talk about other stuff but insurance is such a big beat down on home owners and car owners.
Posted on 8/18/24 at 3:59 pm to spslayto
quote:
Don't know how you blame them for homeowner's insurance.
Lawsuits play a major role in why the underwriters left some markets and why the remaining insurers are charging more.
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