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Author Topic: greedy thorn primitive has roof problem  (Read 1766 times)

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Offline franksolich

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greedy thorn primitive has roof problem
« on: May 27, 2008, 06:57:33 AM »
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x3344623

Oh my.

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greenbriar  Donating Member  (1000+ posts) Mon May-26-08 11:17 PM
Original message

any insurance adjustors? have some questions
   
with all these storms, gonna have to call about our roof

how should I approach this

our insurance company agent is a bitch

One suspects the greedy thorn primitive's insurance agent is actually a nice guy.

The greedy thorn primitive projects a lot.

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fed-up  Donating Member  (1000+ posts) Mon May-26-08 11:48 PM
Response to Original message

1. not an adjustor, but I do know that you should take any/all precautions to prevent further damage
   
alos learned the hard way that if a person makes more than x number of claims the insurance company will cancel the policy and then you will end up paying double rates elsewhere for 5 years

This happened to my mom when she had her fence repaired for the third time.

Her third/final claim was for a mere $500-her Farmer's policy was then cancelled

then her new policy elsewhere cost an additional $500 a year

this was back in 1996

I do know that you are allowed to choose the company that will fix it.

If I were you I would get a few estimates so you have an idea what it will cost.

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greenbriar  Donating Member  (1000+ posts) Tue May-27-08 12:58 AM
Response to Reply #1

2. oh good idea, I hadn't thought about estimates
   
thank you

One quite reasonably assumes the greedy thorn primitive's going to find all the guys coming to inspect and make estimates, are bitches too.

The greedy thorn primitive projects a lot.
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Offline DixieBelle

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Re: greedy thorn primitive has roof problem
« Reply #1 on: May 27, 2008, 09:15:56 AM »
I can't wait to see how this pans out. I bet anything the "bitch" insurance agent is a really pleasant woman who perhaps smiled and showed professional courtesy to the greedy thorn primitive and her husband.
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Offline Zafod Beeblebrox

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Re: greedy thorn primitive has roof problem
« Reply #2 on: May 27, 2008, 09:50:38 AM »
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fed-up  Donating Member  (1000+ posts) Mon May-26-08 11:48 PM
Response to Original message


   
alos learned the hard way that if a person makes more than x number of claims the insurance company will cancel the policy and then you will end up paying double rates elsewhere for 5 years

This happened to my mom when she had her fence repaired for the third time.

Her third/final claim was for a mere $500-her Farmer's policy was then cancelled

then her new policy elsewhere cost an additional $500 a year

this was back in 1996

I do know that you are allowed to choose the company that will fix it.

If I were you I would get a few estimates so you have an idea what it will cost.

Well this is not true.
Since getting out of the ARMY I am now in the insurance field and I am a adjuster.
You wont get your policy canceled for filing claims. That's what a policy if for.
A policy can be non renewed if your ISO risk rating goes up but that is usually based on other factors.
Bottom line, home owners insurance is for catastrophic events. You have a hole in your fence you fix it yourself, not file a claim.  :whatever:
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Offline lastparker

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Re: greedy thorn primitive has roof problem
« Reply #3 on: May 27, 2008, 11:23:42 AM »
If she were REALLY smart, she'd send her drunk husband up to fix it....

On the other hand, "storms" causing roof problems is so vague.  Did a tornado take the roof off?  File a claim.  Did it rain a lot and you discovered a leak?  That's a maintenance issue, and your insurance company would be right to mock you.
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Offline USA4ME

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Re: greedy thorn primitive has roof problem
« Reply #4 on: May 27, 2008, 11:42:50 AM »
Quote from:
greenbriar

any insurance adjustors? have some questions
   
with all these storms, gonna have to call about our roof

how should I approach this

Hint to DUmmie:  If you have real storm damage, you're covered.  Home Owner's Insurance is not for you to get a new roof just because it's been 20 years since its been done.

Libs tend to treat insurance as their personal pocketbook where they should pay $5 a year and get $100 worth of benefit a year.

greenbrair DUmmie, insurance is for catestrophic situations, not for incidental happenings of everyday life.  If you need a new roof because it's time, you should have been saving up for the day you would need it replaced.

.
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Offline jukin

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Re: greedy thorn primitive has roof problem
« Reply #5 on: May 27, 2008, 01:14:21 PM »
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Bottom line, home owners insurance is for catastrophic events.

BINGO!  Raising your deductible will greatly lower your premium cost.  Filing the one claim for $1000 will cost you a lot more in additional premiums in the next few years than just fixing the problem yourself.

Have to remember we are dealing with DUmmies.
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Offline franksolich

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Re: greedy thorn primitive has roof problem
« Reply #6 on: May 27, 2008, 01:15:15 PM »
Ooops.

I must have doused that bonfire.

I posted it here when it was still brand-new, and figured I would check it later, to see what evolved.

I just checked it, and it's dead.

Sorry about that.
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Offline stickyboot

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Re: greedy thorn primitive has roof problem
« Reply #7 on: May 27, 2008, 10:52:36 PM »
Bitch = Intelligent, no-nonsense insurance professional who won't swallow my wheedling, whiny crap hook, line, and sinker and give me what I want but don't deserve.
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