 10/16/2018 12:23 PM
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moody
Posts: 3577
Joined Forum: 07/24/2003
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Originally posted by: hodad66
Originally posted by: hodad66
Originally posted by: moody
Maybe they should stop voting for a party that protects the insurance companies
instead of the people!!
And this was kind of the point I was making. We lost a lot of the consumer protections that made things a bit easier in Jeanne and Frances. I understood how at the mercy of the insurance company you really are during this storm. That said, the people at the SBA were really helpful, and did do their best to get us funds to help us rebuild. That is a great program, and can provide financial stability that covers the deductible at a low interest rate. THIS is the kind of help that everyone should get behind.
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[Feminism is] a socialist, anti-family, political movement that encourages women to leave their husbands, kill their children, practice witchcraft, destroy capitalism and become lesbians. ~Pat Robertson
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10/16/2018 12:58 PM
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dingpatch
Posts: 19104
Joined Forum: 07/24/2003
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But, it seems that the whole concept, and/or purpose, of insurance gets lost on many people. Insurance IS NOT a right. It is a contract in which you agree to pay for certain "coverage", and the insurance company agrees to provide that coverage when/if certain conditions are met. If you can't pay or otherwise negotiate a proper "deal", no insurance.
On the other hand, it is also pretty easy to say that the insurance companies always try to "cheat" your claim. Perhaps. But, in many cases, the "insured" never fully understood the terms and conditions when they signed the contract and, as such, assume that they are fully covered for everything every time.
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Dora Hates You
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10/16/2018 03:27 PM
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moody
Posts: 3577
Joined Forum: 07/24/2003
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Our lawyer was of the opinion that we fully understood the terms and coverage of our insurance, and in the end, our insurance company DID pay what they were legally obligated to cover. They just stalled and dragged their feet, as they did to many other people in this situation, and I don't feel morally superior because we had the financial resources to stand until we wore them down. That they did this at all is reprehensible. And this is becoming a pattern with these companies (I have talked to dozens of people that have had this experience; it's not an isolated incident, and I don't think that ALL of these people are too stupid to understand what they are paying for), and I think it's something people should become aware of.
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[Feminism is] a socialist, anti-family, political movement that encourages women to leave their husbands, kill their children, practice witchcraft, destroy capitalism and become lesbians. ~Pat Robertson
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10/16/2018 09:53 PM
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equipeola
Posts: 950
Joined Forum: 12/17/2009
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Moody- Thanks for sharing your story. Good insight for us who've not yet had the need to war with our insurers. It does seem as you say, to have become a common point of topic and contention now a days, and I guess being it's such a personal impacting thing, we just don't readily hear variations of what people go through in this process. Thinking how many households in even the past half dozen years or so ie: in the east south east that run the gamut of untold experiences resulting from these storms' damages, It would be helpful to any/all, knowing the listed 'names' of these insurers who manage by delay tactics, and those too who have given rapid expected results. I'd hate to know folks are hesitant to share negative experience's of so and so company for fear of slander reprisal, but I don't know.
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ola ~
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