1DumbBlackMan's plumbing springs a leak, insurance bouncy ensues

[BattleHymn]

http://www.democraticunderground.com/1018704196

It's a just-lit campfire, so it's only got one reply.

The "plumbing does spring a leak" more than likely means he dropped an eight pound burrito-and-bean growler that subsequently clogged his shitter, causing it to overflow:

Tue Dec 23, 2014, 06:06 PM
1StrongBlackMan (15,920 posts)

Have I ever told you that I HATE insurance companies? ...

Who ever came up with the concept was an evil genius. "Psst! Hey buddy. Here's the deal. You pay me a fee, every month, just in case your plumbing springs a leak, then I'll give you the money to fix it. But, when your plumbing does spring a leak, I'm gonna give every possible reason why I'm not going to give you the money to fix it. Deal?"

I'm four weeks into arguing with the insurance company and have got them up to $533, after the deductible ($1,000) ... up from $70. Apparently, they think the water logged (particle board based) vanity is salvageable and it's good enough to just patch the two 18" holes in the dry-wall made to find and repair the leak. And, I guess I'm supposed to be okay with them just painting the one wall and replacing one stretch of the base board ... Who cares if it matches? But hey, they will pay to have the mirror re-hung!

Here's the scam-ish part ... after the plumber came out, found and repaired to leak (none if which is compensable), the insurance company had a water remediation company come out. They removed the vanity (damaging it) and countertop, and put in air movers (running on full blast) in the bath room, the adjacent hallway and, surprisingly, the room with the common wall. Three noisy days, and unknown kilowatts, later, the remediation company was done. I signed off on the papers, indicating that the remediation company would be paid directly by the insurance company. Good, right?

Nope. The insurance company claims that the $1,700 to be paid to the remediation company is not applied against the deductible. They apply only the cost of the "build-back" against the deductible, not the full cost of putting the bathroom back into "pre-condition loss" {sicis that Freudian, or what?).

Let me put this in a different context:

You write a $20 check, a $30 check and a $51 check. You have $50 in the account. Now the bank could let the first two checks go through and bounce the $51 check; or, the bank could send the $51 check through first, and bounce all three.

That's what the insurance company is doing ... they are holding off costing the remediation work, even though it is a part of returning me to "pre-condition loss" {sic}, because applying the remediation cost work blow through the deductible, and leave them paying the full cost of the build-back.

Tue Dec 23, 2014, 06:28 PM
Star Member elleng (51,993 posts)
1. OH FFS!!!

WON'T ask which company, as I no longer own a house.

Another primitive mostly likely living in mobile estates. 

[obumazombie]

1DBM would be crowing like the cock of the walk if he got one over on the insurance company.
I'm not so sure that in the end he won't pull it off either.
They are masters of manipulation.

[catsmtrods]

Fix your own ****ing leak! *****!

[JohnnyReb]

"Burn this bitch down".....hey. I thought it was the black solution to everything.

[BattleHymn]

Tue Dec 23, 2014, 06:38 PM
Star Member TexasTowelie (11,631 posts)
3. I have a guess,

if 1StrongBlackMan wants to send me a PM I'd be interested to know.

Lloyd, the inquiring mind, wants to know.

Tue Dec 23, 2014, 06:30 PM
Star Member TexasTowelie (11,631 posts)
2. The worst part of the deal

is that it sounds like nothing was done for mold remediation which could cause severe depreciation of your home. It might cost some money to get an inspection done, but if you don't know how long the pipes were leaking before you noticed then you might have a problem.

Battling insurance companies is always a hassle and I know since I used to work for one. Good luck to you.

[Big Dog]

Lloyd, the inquiring mind, wants to know.

Lloyd the frail fruit never did come back to CC and address the legitimate criticism of his ongoing disability fraud.

[Carl]

It sounds to me that the DUmbfuk wants the 1700 the insurance company spent to dry things out to be applied to his deductible even though it did not actually cost it a penny.

[Big Dog]

1StrongBlackMan (15,920 posts)

Have I ever told you that I HATE insurance companies? ...

Who ever came up with the concept was an evil genius. "Psst! Hey buddy. Here's the deal. You pay me a fee, every month, just in case your plumbing springs a leak, then I'll give you the money to fix it. But, when your plumbing does spring a leak, I'm gonna give every possible reason why I'm not going to give you the money to fix it. Deal?"<The actual concept is "carry homeowner's insurance, or the mortgage lender will do it for you." And you'll like that a lot less.>

I'm four weeks into arguing with the insurance company and have got them up to $533, after the deductible ($1,000) ... up from $70. Apparently, they think the water logged (particle board based) vanity is salvageable, <Go back to Goodwill and get another $5 vanity, asshole.>

and it's good enough to just patch the two 18" holes in the dry-wall made to find and repair the leak. And, I guess I'm supposed to be okay with them just painting the one wall and replacing one stretch of the base board ... Who cares if it matches? But hey, they will pay to have the mirror re-hung! <Your hovel is made from old railroad ties and wallpapered with eight layers of newspapers. What do you expect?>

Nope. The insurance company claims that the $1,700 to be paid to the remediation company is not applied against the deductible.<Shoulda read your policy,  DUmbass.>They apply only the cost of the "build-back" against the deductible, not the full cost of putting the bathroom back into "pre-condition loss".

Let me put this in a different context <Let me put this in the correct context, DUmbass>:

    You write a $20 check, a $30 check and a $51 check. You have $50 in the account. <Hey, DUmbass. Don't write checks when you don't have money in the bank. Problem solved.> Now the bank could let the first two checks go through and bounce the $51 check; or, the bank could send the $51 check through first, and bounce all three. <If you are stupid enough to write those bad checks, then you deserve to pay the price.>

    That's what the insurance company is doing ... they are holding off costing the remediation work, even though it is a part of returning me to "pre-condition loss" {sic}, because applying the remediation cost work blow through the deductible, and leave them paying the full cost of the build-back. <You're going to pay that $1,000 deductible, and there's no way to shell-game your ass out of it with some bullshit about remediation and bouncing checks- but I give you credit for using an example that you and your fellow Dumpmonkeys would understand.>

Just wait until your next policy year, DUmbass. You'll shit your pants at the increase in your premium.

Don't worry, I'll be here laughing at you.

[thundley4]

Fix your own ****ing leak! *****!

Seriously, how long did the WeakBlack***** let the water leak?  How much strength does it take to turn a water valve off and limit the damage.

These DUmmies are so helpless they need someone to do every single thing for them.

Still waiting for the day when a DUmmies asks about the proper way to wipe their ass.

[USA4ME]

In the 22 years I've been in my home, I've had significant water damage twice. Both times a restoration company (never heard it called a "remediation company") had to be called in and both times the insurance company paid all associated costs minus deductible.

I guess it's because I'm a straight, white male.

Then again, I have good coverage with a reputable company and not questional coverage with "My Cousins Insurance Co" like 1DumbBoy has. This primitive has said in the past that he makes lots of bling-bling. I suppose he gets to spend some of it for buying lousy insurance.

Hey 1DumbBoy: Buy cheap, buy twice.

Also this:

1DumbBoy

8. The worst part is they have never, even been out to the house to inspect the damage.

And then there's the adjuster's "My job is to get you as much as I can" comments.

While the insurance company will rely on what the restoration company reports as being damaged, I've never heard of an adjuster not coming out to inspect the damage. Maybe if the cost of repairs is below a certain threshold they don't bother. Primitives lie, so no doubt there's more to the story, like the truth.

.

[BattleHymn]

Tue Dec 23, 2014, 07:34 PM
Star Member aint_no_life_nowhere (20,830 posts)
4. They're pure shit, pure evil

They are completely screwing my 94 year old mom right now over a policy my deceased father had 12 years ago. They charged her premiums after his death and are not returning them, claiming she was a policy holder. They sent her a form asking her to sign as a policy holder (she never signed anything or even knew of my dad's policy). They're trying to trick her into admitting she was an insured under the policy so they can keep the back premiums. The insurance commissioner's office in Maryland where the company is headquartered said to go ahead and file a complaint against them. People should not let themselves get pushed around by the parasitic scavengers of the world.

[Big Dog]

Random DUmmy says...

People should not let themselves get pushed around by the parasitic scavengers of the world.

Even a blind pig finds a truffle on occasion.

[BattleHymn]

Lloyd the frail fruit never did come back to CC and address the legitimate criticism of his ongoing disability fraud.

TT is a flamer? I didn't know! 

[Big Dog]

TT is a flamer? I didn't know! 

  for the graphic.

He didn't deny that his disability scam is for cocksucking-induced whiplash and a bruised uvula.

http://conservativecave.com/index.php?topic=95903.msg1257249#msg1257249

[Chris_]

He didn't deny that his disability scam is for cocksucking-induced whiplash and a bruised uvula.

http://conservativecave.com/index.php?topic=95903.msg1257249#msg1257249

Don't forget the awful haircut.

Damn, boy.

[Big Dog]

Don't forget the awful haircut.

Damn, boy.

That haircut will probably get him onto the disability gravy train.

[tanstaafl]

Another primitive mostly likely living in mobile estates. 

Where the vehicles in the front yard don't have wheels, but the home does.

[obumazombie]

The lib Dummies think that insurance companies are their own private piggy banks.

[Karin]

I guess 1DBM never heard the adage about homeowner's insurance, "Use it and Lose it."  They're going to dump him like a hot potato.