The Conservative Cave
Current Events => The DUmpster => Topic started by: franksolich on December 16, 2011, 03:13:55 PM
-
http://www.democraticunderground.com/100227286
Oh my.
The Straight Story (35,765 posts) Profile Journal Send DU Mail
You Can't Be Serious, Couple Tells Allstate
MIDLAND, Texas (CN) - A daughter who found her mother's decomposing body claims Allstate reneged on its promise that her mom's homeowner's policy would pay to clean up the house, telling her, "unbelievably," that the daughter's husband "represented that the deceased insured's body exploded and that is why Allstate originally indicated there was coverage."
Terri Carter and her husband Jerry found Terri's mother's decomposing body at the mother's home in Midland. They called police, who told them that a company called Aftermath specialized in cleaning up biohazards, including "the bodily fluids, microbes and stench from Ms. Manns' decomposing body."
Jerry Carter called Allstate's 1-800 number, as it was a Sunday and the local office was closed. After a series of calls, the Carters say Allstate told them that Terri's mother's homeowners policy would cover the cost of the cleanup.
"Allstate agent Shannon specifically told Mr. Carter 'yes' and gave him a claim number," according to the complaint in Midland County Court.
Aftermath, which is not a party to the complaint, charged $34,475 for the cleanup, which it completed on June 28.
On June 29, at a church brunch immediately after the mother's funeral, Allstate "contacted Mr. Carter and informed him that Allstate had now changed their mind and was not going to cover the Aftermath claim. The only explanation provided was that Ms. Manns did not name herself as a 'peril' in her homeowners policy," the complaint states.
http://www.courthousenews.com/2011/12/16/42297.
rurallib (26,770 posts) Profile Journal Send DU Mail
2. I remember reading that Allstate was taking the lead of the medical insurers and doing everything they could to delay and deny claims to lower payouts.
getting insurance with companies like that is almost like gambling.
hedgehog (25,550 posts) Profile Journal Send DU Mail
3. I would like to see the homeowner's policy. My home owner's policy does not cover my home against each and every hazard out there; it specifically covers damage from wind, from fire, etc. (as a matter of fact, i'm going to go review it now to see what my coverage is from damage from snow loads and trees falling!)
Allstate is running an ad implying their homeowner's policy covers damage from animals digging in the attic. I wonder if that is actually the case.
Politicalboi (5,203 posts) Profile Journal Send DU Mail
7. The Good Hands People
And $34,475 is an outrageous amount to pay. Granted, I could never do that work myself, but $34,475 wow.
Yeah, that does seem steep, although never having faced such a situation, I dunno.
If it is in fact high, maybe the good hands are union labor?
Blaukraut (3,140 posts) Profile Journal Send DU Mail
8. The question I'd like to ask is why this woman was allowed to die and rot in her house before someone looked in on her. Nice daughter!
Uh huh. That's why franksolich is gravely concerned for the bitter old Vermontese cali primitive, but never mind.
-
I am in the wrong line of work!
:hyper:
-
I don't think DUmmy cali will make much of mess when she shuffles off the coil.
She's a wizened, bony harridan, so there isn't a lot of mass involved.
But also, if she goes in warm weather where there could be an explosion hazard, the earwigs will consume her before detonation.
-
http://www.democraticunderground.com/100227286
Yeah, that does seem steep, although never having faced such a situation, I dunno.
It depends on how long the body had decomposed, the location of the body, the cause of death. It sounds like dear old mom was in the by and by a while before anyone discovered her mortal shell.
I have a friend who was paid $2500(6 hours of work) for a specialty cleaning of the interior of a truck that a woman committed suicide using a handgun to the temple in the passenger compartment. He said her brains and other bits had very quickly became deeply embedded anywhere it could.
-
Mrs. Manns' decomposing body."
Heh. They never suspected a thing! :cheersmate:
-
:lmao: ....I remember something from way back about ALLSTATE.
Bob hope was building a large home ($900,000.00) yes that far back. It burned while still under construction but it was covered by ALLSTATE...or so he thought/claimed. They wouldn't pay off so one night on TV he made a joke about it burning and those people (holding out his hands as pictured in their famous ads) wouldn't pay off....they settled with him the next day.... :lmao:
DUmmie won't be so lucky, his fame and audience aren't big enough.
-
$34K does seem a bit steep. A strong stomach, a few brushes, a few gallons of bleach, some paint, and new flooring are really all you need. Even if you had to repaint/recarpet a room, it shouldn't cost more than about $5K.
-
$34K does seem a bit steep. A strong stomach, a few brushes, a few gallons of bleach, some paint, and new flooring are really all you need. Even if you had to repaint/recarpet a room, it shouldn't cost more than about $5K.
Depending on the size and location of the mess the disposal fees alone could run you $5k. You just can't drop that stuff off at the local dump.
I looked into working with a local outfit that does this very thing. They paid well because of the working environment.
-
$34K does seem a bit steep. A strong stomach, a few brushes, a few gallons of bleach, some paint, and new flooring are really all you need. Even if you had to repaint/recarpet a room, it shouldn't cost more than about $5K.
Its a little more complex than that. Depending on how long the decomp was the floor may need replacing. The sheet rock may need replacing on the walls. All the furniture...
You can't get the smell out.
-
Its a little more complex than that. Depending on how long the decomp was the floor may need replacing. The sheet rock may need replacing on the walls. All the furniture...
You can't get the smell out.
I've worked more dead bodies than you can say Grace over. Even floors and drywall wouldn't be that much. There's a steep profit built in because nobody's in any mood to haggle.
-
Depending on the size and location of the mess the disposal fees alone could run you $5k. You just can't drop that stuff off at the local dump.
I looked into working with a local outfit that does this very thing. They paid well because of the working environment.
We saw a pretty good movie not long ago called "Sunshine Cleaning". Two sisters form a company to clean up crime scenes. Pretty messy stuff.
-
Its a little more complex than that. Depending on how long the decomp was the floor may need replacing. The sheet rock may need replacing on the walls. All the furniture...
You can't get the smell out.
I'll take yours' and Tantal's word for it. :puke:
For some strange reason, I don't really have a problem with others' blood. It's mine that I get queasy over.
-
Solution: 5 gallons of gas and a box of matches...Cost: less than $20.
-
I've worked more dead bodies than you can say Grace over. Even floors and drywall wouldn't be that much. There's a steep profit built in because nobody's in any mood to haggle.
You know, I never thought about that.
When I was in my early twenties, one of my older brothers, who was then 40, died of cardiac arrest at his home.
I was summoned there by the county sheriff to formally identify the body (per Nebraska law). The body was laying on the floor. After formally identifying it, I put a blanket over it. I was told he'd probably died about midnight, and this was circa 9:00 a.m.
Because of Nebraska's, uh, rather unique laws, the county attorney is the county coroner, who determines the cause of death, and there was some delay in getting that done. The body was not removed until about 4:00 p.m. that day, and when the undertakers removed the blanket, the place was filled with an awful stench or gas.
It never occurred to me that "special cleaning" would be needed (and probably was done, but I didn't know about it). I guess I just assumed that aerosol Lysol would take care of the matter, but probably not.
-
$34K does seem a bit steep. A strong stomach, a few brushes, a few gallons of bleach, some paint, and new flooring are really all you need. Even if you had to repaint/recarpet a room, it shouldn't cost more than about $5K.
But the odor--my GOD, the odor.
-
Recently my husband had his car smashed in while it was parked in a parking lot. When I called State Farm to find out how to proceed with the fixing the first question was "Did the other guy have Allstate?" Why did they ask this? Because Allstate is notorious for sucking when it comes to paying out for anything. The State Farm told me a horror story about him getting hit by a driver with Allstate.
-
What's up with The Straight Story primitive? I haven't seen any good stories from him lately about his ex-wife, hot air ballooning, or killing kittens for his daughter's sake. He's had no complaints about his fundie father or long-lost children.
It seems all he does anymore is copy and paste stories about other people. Maybe he hit the lottery. I haven't seen any not-so-subtle hints asking for money!
-
I haven't seen any not-so-subtle hints asking for money!
He's been around, and was around just yesterday, but he's perfected his technique.
He's not not-so-subtle any more; he's subtle now, but it's still pretty obvious.
-
I am in the wrong line of work!
:hyper:
Perhaps we all are in the wrong kind of work Gina.
Toxic waste removable is big business and regulated by OSHA in most cases of industrial waste. I worked with government asbestosis removal for a few years, still waiting for a diagnoses of Masopheloma.
Personal toxic waste is one hell of a bag of worms. Try to sell a older home that may have asbestosis wrapped pipes in the home or Asbestosis shingles on the roof, Yikes the cost.
Most every Hotel or Motel has insurance for toxic clean up as guests do commit suicide and splatter the walls, floors and ceiling with blood.
Then there are the homes and apartments that have had a meths lab operating. This is a huge problem, some police refuse to transport a meths maker to jail in their squad car, because they are contaminated. I have seen photos of the police department calling in the fire department to hose down and decontaminate a suspect in the fricking street.
Rent out an apartment or home, some Meths maker comes in, the poison is in the walls floors and ceiling. The fumes may have spread to other adjoining apartments.
To any realestate people this is a nightmare, how to sell a home that had a Meths maker in it??? Some States have disclosure laws others do not. Sellers and landlords in some states do not have to disclose if the home or apartment had any kind of toxin's waste problems.
When we buy a home with new wall to wall carpets, unless it is a modular home there is no warning about formaldehyde in the carpets drapes or wall boards.
Toxic waste comes in many forms, one who has to pay an arm and a leg to clean the area has to take the company's word that all is clean.
Days past Grandpa died in bed, 2-3 days to a month before he was found. The mattrice was burned, new one placed and that was that.
High 5 to sparkey----it is the smell, unlike anyother one knows has ever known unless they are a licenced mortician, Cop or EMT.
-
$35K is pretty steep when you consider that all they usually do is clean what can be cleaned and cut out and dispose of what can not without replaceing it. They don't even get rid of the body. Just the left overs. For that kind of money I hope they did a full restoration.
-
$34K does seem a bit steep. A strong stomach, a few brushes, a few gallons of bleach, some paint, and new flooring are really all you need. Even if you had to repaint/recarpet a room, it shouldn't cost more than about $5K.
All of that stuff was OK 30 years ago. Why. all of a sudden. do you need all of this specialty equipment?
More of the big Government directives.
-
But the odor--my GOD, the odor.
Hubby was saying that last night when he walked into the bedroom :shucks:
-
Hubby was saying that last night when he walked into the bedroom :shucks:
"Channeling mamacags" ~ douching? :whistling:
-
Hubby was saying that last night when he walked into the bedroom :shucks:
:hammer:
-
Blaukraut (3,140 posts) Profile Journal Send DU Mail
8. The question I'd like to ask is why this woman was allowed to die and rot in her house before someone looked in on her. Nice daughter!
Mom was probably a conservative and her daughter was a DUer.
-
Mom was probably a conservative and her daughter was a DUer.
More than like it was the other way around.
-
All of that stuff was OK 30 years ago. Why. all of a sudden. do you need all of this specialty equipment?
More of the big Government directives.
30 years ago was the start of Aids and the HEP new strains taking a giant leap forward.
Today we know so much more about blood and body fluids of all sorts and their transmissions to others.
30 years ago we had no fear of food poisoning from eating a cantaloupe, 30 years ago we ate raw hamburger and raw eggs.
30 years ago we stopped the old sterilizing of baby bottles, we could trust the canned baby formulae, times change.
30 years ago when one bought raw produce we would just drop in in the cart, no or few places had those plastic bags to put the produce in.
Today if you spit on someone you can be charged with a criminal assult. Body fluids can be deadly to others.
Anyone have a granny that would spit on a hankie to wipe cookie crumbs or a dirt smudge off your face?? YUCK
For 80 years the Jehovah Witnesses warned about blood transfusions even to save their lives or the life of a child. Some parents of that faith were taken to court to force the parents to allow their children to receive life saving blood.
The removal of a dead ,ANYTHING, be it human or dead bird is now handled differently. To come in cold to a site where a body is found, gloves, face masks, booties on shoes, even for someone that had a heart attack in front of 40 people, the responders have to protect themselves FIRST.
The question of how something died is not known to the responders, the deceased may have Anthrax for all they know.
Knowledge of airborn infections are still up the air, TB, for instance. Even the hospitals have one heck of a time keeping patients from receiving a hospital infection.
Some states have a law that when a person buys a home the seller has the duty to inform the buyer of any and all deaths that occurred in the the home and the reason, be it suicide, or any illness or just old age be released to the buyer. Today that includes if the premises was used to make or grow drugs, or any police actions.
No one wants to take their children to live in a home that has a bad reputation before signing on the doted line.
Different world today, yes I believe there are millions of us alive today because of OSHA and health regulations imposed on first, middle and last responders.
We should demand more food inspectors, more inspectors on the docks to find infected cargo. And last but not least, Seldom if ever are the pallets used to transport food from state to state inspected or made of plastic and the trucks that move food have their trailers washed out between each drop off and pick up.
Tip, ----when you buy a new mattress check even if shrink wrapped that the deliver has no unwraped old mattereses anywhere in the truck near new ones. If you believe roaches are difficult to be rid of, talk to people that bought new furniture to find there are bed bugs hiding in the brand new item.
-
Body fluids can be deadly to others.
So if I run across a DUer in real life and I beat him upside the head, he better not bleed on me.
-
So if I run across a DUer in real life and I beat him upside the head, he better not bleed on me.
The head is loaded with blood vessels. Better to break a DUmb****'s rib and have that collapse a lung.
-
The head is loaded with blood vessels. Better to break a DUmb****'s rib and have that collapse a lung.
NO-NO, BSS, a colasped lung will spew blood every where. become nasty to buy standers, sleepless nights until the victim is found HIV negative. A head wound will bleed copiously on the person, first impact will splatter blood not as far as a person that as that of a projectile vomit will.
Just poke a person in the nose, they bleed, too late to get out of the way. How to harm anyone is hard to do without harming oneself in the process.
Best leave these Liberals alone, for your sake and theirs. Give it time and the Liberals will get it up the butt and find they have been taken for a ride. Just look at the Obama followers Still waiting for their rent to be paid and where the heck is that Pony. A liberal only changes when they find with Obama they and kids are out of work, they are loosing their homes and the school district has cut off funds to help with a child's disability.
It is much easier for a Liberal to become a Conservative then for a Conservative to become a liberal.
-
It is much easier for a Liberal to become a Conservative then for a Conservative to become a liberal.
Didn't realize it was that easy to grow a spine. :)
-
Didn't realize it was that easy to grow a spine. :)
Gina, it's a Miracle Gro application called "reality." :tongue:
-
Didn't realize it was that easy to grow a spine. :)
Gina, it is all so easy to live with no spine when others refuse to allow you to use your own. Give them 20 excuses of why they should not use their own spine, lean on us, do not try to walk on your own. Convince the people that they are incapable of making valid choices, hover and protect those others believe are in danger of taking chances in life.
Some how people feel they must interfear in others lives to protect them, keep them safe from making the same decisions others make every day.
All way a shock when those we try to protect go on to now longer lean on others, the blind that gain a spine and decide to live alone, marry and have children. The deaf that decide to travel the world. The people missing both legs decide to take up a dangerous sport or mountain climb.
The hardest to except is those that gain intellectual knowledge and part from their protectors, head out into a world the protectors are either against or is unknown to them.-----Takes much spine and Bravery to inter marry or change religious faith in a protective family.
Today parents do not expect a child to have a spine, they take any excuse to defend their children and labels others put on them. [ My child has an anger management problem they have to be catered to, not their fault.]
Screw that, a work out in the wood shed for children in the past cured that problem, yes it was the kids problem not the parents that did not spend $300.00 to buy them an X box.
Spine is loosing ground to those that make excuses for the kids that have never had to use their own spine. These kids become adults, they have no idea how to take responsibility for themselves or family.
Worse are the family's that embrace these adults that come home after fu*KING UP THEIR LIVES AND --- again to place the kid back into the old ways that led to the kids become spineless. 40 year old college educated that sleep on moms sofa and do drugs, Mom cannot throw them out into the cold----Only when mom dies and the home goes on to someone else do these kids grow a spine and become successful.
Life is complicated, seems the less help a person gets the more spine they grow. Not all, some will perish, it is up to God to decide who will die and who will live-----God helps those that help themselves.
-
We saw a pretty good movie not long ago called "Sunshine Cleaning". Two sisters form a company to clean up crime scenes. Pretty messy stuff.
I've actually toyed with the idea of starting a business doing just that.
-
I'm still trying to figure out what a "buy stander" is.
:whistling:
-
I'm still trying to figure out what a "buy stander" is.
I don't know, but I'll bet the plural is "buy stander's".
-
I've actually toyed with the idea of starting a business doing just that.
We could be partners! I hack em and you sack em! :cheersmate: