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Started By
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re: Any homeowners insurance guys here?
Posted on 12/2/25 at 6:17 pm to tigersbh
Posted on 12/2/25 at 6:17 pm to tigersbh
The same thing happened to me with Stare Farm. My only guess is the agent got an origination fee because the list of “items to be addressed” from underwriting were fundamentally part of the property and obvious.
- 40’ wide driveway required. The aerial photo clearly shows it’s 1 car width wide.
- 2 access points to the property required. It’s on a dead end road.
- Two emergency vehicles might not be able to pass each other. It’s a two lane county road.
- 40’ wide driveway required. The aerial photo clearly shows it’s 1 car width wide.
- 2 access points to the property required. It’s on a dead end road.
- Two emergency vehicles might not be able to pass each other. It’s a two lane county road.
2
Posted on 12/2/25 at 6:23 pm to tigersbh
I haven’t had home insurance in 8 years. Screw those snakes.
Pay cash for your house and give them the middle finger. Owned homes for 20 years. No claims.
Pay cash for your house and give them the middle finger. Owned homes for 20 years. No claims.
This post was edited on 12/2/25 at 6:27 pm
Posted on 12/2/25 at 6:25 pm to tigersbh
Just don’t talk to anyone named Chad Hughs
Posted on 12/2/25 at 6:26 pm to iwyLSUiwy
quote:
National General
Great company, subsidiary of Allstate.
Posted on 12/2/25 at 6:41 pm to tigersbh
Call my girl Jen. +1 (225) 205-9475
Posted on 12/2/25 at 7:17 pm to BabyTac
Sure clown
Posted on 12/2/25 at 7:24 pm to pjab
quote:
My only guess is the agent got an origination fee
If it didn't stay on the books he didn't get shite.
Posted on 12/2/25 at 7:41 pm to pjab
quote:Nope. He’ll get a chargeback for whatever commission he already received.
My only guess is the agent got an origination fee because the list of “items to be addressed” from underwriting were fundamentally part of the property and obvious.
Sounds like he was just lazy and didn’t look at satellite or street view online or doesn’t know the underwriting guidelines
Posted on 12/2/25 at 7:45 pm to Tiger Prawn
quote:
Sounds like he was just lazy and didn’t look at satellite or street view online or doesn’t know the underwriting guidelines
I can nearly guarantee you the agent didn’t write it.
Prob one of his underlings.
Posted on 12/2/25 at 9:29 pm to BamaCoaster
quote:True, I forgot we were talking about State Farm here
I can nearly guarantee you the agent didn’t write it. Prob one of his underlings.
Posted on 12/2/25 at 9:59 pm to iwyLSUiwy
Why are they awful?
Posted on 12/2/25 at 10:01 pm to DarkDrifter
quote:
owned and very intertwined with All State
They ar, but they're run as to totally separate entities. Long story short, Independent agentss write a lot of Nat Gen, and they've been pretty good to us and our clients
Posted on 12/2/25 at 10:31 pm to jrobic4
I was going to start a thread about an issue I recently had. Have comprehensive coverage and a leak in my sunroof that ran down the back of my car through the carpet onto the audio module and shorted it out. Insurance company doesn’t want to cover it. Had a big rain event about 10 inches over 2 days that led to this. They argued it was normal wear and tear (rusted part of sunroof) caused leak. Car is 5 years old.
Posted on 12/2/25 at 10:41 pm to UnluckyTiger
Sorry, but thats likely the same answer you’ll get regardless of insurance company.
If the sunroof was leaking due to damage from a singular event like hail, falling tree branch, or vandalism….then it would be covered.
If its happening because of rust or worn out seals, thats wear and tear that happened over a long period of time and going to end up denied.
If the sunroof was leaking due to damage from a singular event like hail, falling tree branch, or vandalism….then it would be covered.
If its happening because of rust or worn out seals, thats wear and tear that happened over a long period of time and going to end up denied.
Posted on 12/2/25 at 10:43 pm to Tiger Prawn
Appreciate the answer. Thats wild to me since I can’t imagine most people are getting up on top of the sunroof to check the drains and seals, etc. and it’s not something covered by routine maintenance.
Posted on 12/2/25 at 10:45 pm to iwyLSUiwy
quote:
National General is another small company writing pretty decent policies as well
Is an Allstate company. Not small at all
Posted on 12/4/25 at 6:25 pm to DarkDrifter
quote:
Yeah, most underwriting guidelines are gonna want that closed in with at very least lattice work.
I can tell you that SageSure will allow open foundations with most of their carriers we write for.
So, my local agent had no idea about the letter from national State Farm. They thought I was good.
That’s not the first time that has happened. they got together and said I have until the end of the month to install lattice work to cover the gap.
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