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Posted on 10/10/20 at 8:36 pm to tigereye58
You'll regret cancelling when you have a claim against you.
Posted on 10/10/20 at 8:36 pm to tigereye58
Allstate’s no better. After the screwing they gave SE LA and the MS coast in the aftermath of Katrina, I remember sitting in Tiger Stadium and thinking about the gall they had to put the strangling hands logo on the FG nets.
My insurer at the time of Katrina was ANPAC, and they were outstanding. I had never heard of them when I picked up the policy in 2003, because they did no advertising.
My insurer at the time of Katrina was ANPAC, and they were outstanding. I had never heard of them when I picked up the policy in 2003, because they did no advertising.
This post was edited on 10/10/20 at 8:50 pm
Posted on 10/10/20 at 8:36 pm to Poker_hog
quote:I tell all of my customers the same thing when they ask which insurance companies are the best: The best advertisers are the worst insurers. In other words, if you think their commercials are great, their coverage is shite.
lenty of money for nfl commercials. No money for customers.
Liberty Mutual
Farmers
State Farm
Allstate
Any insurance company with “General in the name.
We won’t even work on progressive claims anymore. It upsets some of our customers, but we can’t afford to lose money just for the opportunity to work for them.
Posted on 10/10/20 at 8:36 pm to tigereye58
I have an insurance agency in Gulf Shores, AL (brokerage). We have a staff of 4, and over 500 claims. We have been in constant contact with our clients through texting/emailing.
Insurance is a contract. You pay a premium, and they (Insurance) must indemnify you (make whole). Take pics, get contractors/estimates, and don’t wait to see what adjuster says before finding people to fix stuff. When adjuster comes to home, walk them through everything. Show them contractors estimates for damage. Send those docs to your desk adjuster. It will make the process much smoother. And, if your agent hasn’t contacted you a couple times...fire them.
Your carrier doesn’t give a shite about you. You shouldn’t care about the carrier, but your agent should be your advocate.
Insurance is a contract. You pay a premium, and they (Insurance) must indemnify you (make whole). Take pics, get contractors/estimates, and don’t wait to see what adjuster says before finding people to fix stuff. When adjuster comes to home, walk them through everything. Show them contractors estimates for damage. Send those docs to your desk adjuster. It will make the process much smoother. And, if your agent hasn’t contacted you a couple times...fire them.
Your carrier doesn’t give a shite about you. You shouldn’t care about the carrier, but your agent should be your advocate.
Posted on 10/10/20 at 8:39 pm to Demshoes
I bugged my shifty adjuster, his claims manager, her boss and the corporate complaint line until they did what I wanted and what was right, you just have to fight these MF, they want you to give up. Threaten them with a lawsuit and the state insurance commission.
Posted on 10/10/20 at 8:47 pm to DR93Berlin
Why is Jake from State Farm a ripped black dude now?
Posted on 10/10/20 at 8:52 pm to DLauw
quote:
Same with auto. They have their customers send photos and a desk adjuster writes a bullshite estimate. It will all get taken care of by the shop on supplements is there way of thinking. It also allows them to cut the number of outside/field adjusters they need.
You have no idea what you are talking about and just spouting echo chamber negative comments. Regardless of how your vehicle is inspected it is not always possible to determine the extent of damage until there is tear down at the shop to allow visibility of hidden damages. What does it matter if the claim is ultimately paid and you get your car repaired?
Posted on 10/10/20 at 8:53 pm to tigereye58
quote:
NOW!!
And switch companies when it’s all over. Don’t wait and think it won’t happen to you. After all your agent is your “friend”.
Like a good neighbor State Farm is a thief.
I started a thread before the storms asking about State Farm.
I got crickets. They were expensive but good.
We have renters with them but when we buy a house next year we are going with Shelter. Lots of people are satisfied with them.
Also, apparently there is an agent at Farm Bureau in Lake Charles that screwed tons of people. Wrote policies that different than what was requested. Sold flood with no contents coverage, etc. I’ll be surprised if he ain’t murdered.
Posted on 10/10/20 at 9:00 pm to Strannix
quote:A lot of good that will do. James Donelon’s top campaigns contibutors are almost all insurance companies. He won’t go against his money. Motherfrickers has been there for 4 fricking terms.
p. Threaten them with a lawsuit and the state insurance commission.
Posted on 10/10/20 at 9:02 pm to BamaCoaster
quote:
You shouldn’t care about the carrier, but your agent should be your advocate.
Have had State Farm for over 30 years claimed once on an uninsured auto accident years ago that was handled well $$ wise. But, State Farm rates have gotten outrageous with 3 autos, home, a small bay boat, and $1mm umbrella policy.
Does having an umbrella policy cause rates to increase with other bundled coverage i.e. is my auto for example higher b/c of the SF umbrella policy?
By outrageous I mean around $6k a year.
Which insurance companies do you generally recommend? Is USAA worth switching to? My agent is fine just haven't needed him lately.
Posted on 10/10/20 at 9:13 pm to tigereye58
Posted on 10/10/20 at 9:15 pm to tigersbb
quote:You just stated the same thing I said dumb frick. I’ve been in and around this industry for 30 years. I agree that initial estimates are bullshite. So why require a customer to send photos if you can’t see the damage from a photo? I know some adjusters won’t write needed operations in the field (per company policy). They will pay those operations once the vehicle is in a shop. Why? They owe for it.
ou have no idea what you are talking about and just spouting echo chamber negative comments. Regardless of how your vehicle is inspected it is not always possible to determine the extent of damage until there is tear down at the shop to allow visibility of hidden damages. What does it matter if the claim is ultimately paid and you get your car repaired?
Claims are very, very, very rarely fully paid. Shops have a choice- absorb those costs or charge the customer.
Posted on 10/10/20 at 9:20 pm to wickowick
1 hurricane deductible has been the law for several years, nothing new.
Posted on 10/10/20 at 9:47 pm to DLauw
quote:
You just stated the same thing I said dumb frick. I’ve been in and around this industry for 30 years. I agree that initial estimates are bullshite. So why require a customer to send photos if you can’t see the damage from a photo? I know some adjusters won’t write needed operations in the field (per company policy). They will pay those operations once the vehicle is in a shop. Why? They owe for it.
You have made a false broad assumption. Not every initial appraisal is incomplete. Many times the damages can be fully determined upon the initial inspection.
When there is hidden damage there is no reason to label the initial appraisal as " bullshite." This implies the carrier is trying to cheat you out of something you are entitled to.
quote:
Claims are very, very, very rarely fully paid. Shops have a choice- absorb those costs or charge the customer.
You have made your second false assumption. There is no premise for your allegation other than a subjective opinion that claims are not paid at " full value. " There are generally accepted industry standards for the time required for each process to remove and replace or repair damaged parts and the costs of those parts. There may be some give and take on whether to replace or repair certain parts , but ultimately the vehicle is repaired. The owner is not required to absorb any more costs than the deductible if it is a first party loss. If it is a third party claim the claimant must be made whole, and again the shop and the provider work out any differences without any costs to the owner.
There are a few shops which try to act as advocates for the owner and plant the idea in the owners heads they are being taken advantage of by the insurers. For the most part the shops and adjusters have mutual respect and issues are resolved with agreement on the legitimate full value of claims.
Posted on 10/10/20 at 10:11 pm to DLauw
How do I go about finding a PA? I’m in Jennings and my adjuster says I have $3900 in damages and my contractor says I have about $28k. I’m also so friggen tired I’m about to say frick it and just pay the contractor if something doesn’t move soon. I have had 4 days off since Laura and 2 of those were for Delta.
Posted on 10/10/20 at 10:14 pm to tigereye58
NO INSURANCE COMPANY HAS YOUR INTEREST. AT HEAT.
Posted on 10/10/20 at 10:16 pm to Stexas
Just know if you go the PA route, your claim will slow down a lot
Posted on 10/10/20 at 10:20 pm to wickowick
It can’t slow down anymore than them saying that I don’t meet the deductible... 
Posted on 10/10/20 at 10:22 pm to tigereye58
Here’s good information on this whole two deductible issue. It’s against the law in Louisiana
quote:
Hurricane deductible in Louisiana may only be applied once annually. La. R.S. 22: §1337. Homeowners' insurance deductibles applied to named-storms, hurricanes, and wind and hail deductibles
A. For purposes of this Section, the following definitions shall apply:
(1) "Hurricane" means a storm system that has been declared a hurricane by the National Hurricane Center of the National Weather Service.
(2) "Named storm" means a storm system that has been declared a named storm by the National Hurricane Center of the National Weather Service.
(3) "Separate deductible" means a deductible that applies to damage incurred during a specified weather event and may be expressed as a percentage of the insured value of the property or as a specific dollar amount and includes hurricane, named-storm, and wind and hail deductibles.
B. For all homeowners' insurance policies or other policies insuring a one- or two-family owner occupied premises for fire and allied lines, issued or renewed by authorized insurers on or after January 1, 2010, any separate deductible that applies in place of any other deductible to loss or damage resulting from a named storm or hurricane shall be applied on an annual basis to all named-storm or hurricane losses that are subject to the separate deductible during the calendar year.
C. If an insured incurs named-storm or hurricane losses from more than one named storm or hurricane during a calendar year that are subject to the separate deductible referred to in Subsection B of this Section, the insurer may apply a deductible to the succeeding named storms or hurricanes that is equal to the remaining amount of the separate deductible, or the amount of the deductible that applies to all perils other than a named storm or hurricane, whichever is greater. Insurers may require policyholders to maintain receipts or other records of such losses in order to apply such losses to subsequent named-storm or hurricane claims.
Acts 2009, No. 134, §1, eff. June 25, 2009.
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