A warning to those who have homeowners insurance from Farmers, State Farm or Allstate
 

Read your policies carefully!

Here's my story:

Around the beginning of June a severe thunderstorm blew through central Texas..the type with unbelievable winds associated with it...branches and limbs were all over the whole neighborhood...

about 2 weeks after that I had just won a bid on Ebay for a rather unique piece of wood which I plan to use for the top on a Les Paul style electric guitar...I was showing my wife the online pictures and she mentioned that I hadn't ever really shown her the Koa wood I had gotten around the new year for an acoustic...so, I unpacked it and showed it off...upon repackaging I noticed mold growing on the box and was rather concerned....further investigation led to the knowledge that water had gotten in and had soaked one corner of this room I use for computer work and storage of stuff...mold was growing under a cherry cabinet I have on the floor (which is now ruined) for use as a filing cabinet, and boxes of personal papers were also soaked and contents damaged...the adjacent room is my garage where I have some rather tasty woods stored and some of those were also damaged...after moving stuff around the water quickly evaporated and that was that..

I made a claim with my insurance company, Farmers, and a rather jerkwad adjuster came out and told me my claim would be denied as this type of damage was excluded...why you ask?...because there was no physical hole in my roof...the fact that horizontal rain had blown under some shingles or flashing makes no difference..there has to be physical damage to the structure for wind blown rain to be covered...WTF????...that has got to be the most criminal exclusion I have ever heard...on top of the fact said adjuster actually tried to get me to say this was 'fair'...FAIR???...fair is the fact that I didn't bust a cap in his sorry head for his smug a§§ attitude...what a pr!ck...he really blew it when he said 'what concerns me is that there is no mold or anything growing on your ceiling or walls'...concerns you?...more like you know that that proves this water penetration was a one time thing caused by a severe storm, not a leaky roof you fracking pig!...he even had the audacity to imply that maybe the water had gotten in through the limestone walls of my house :cheesy:...:nono::nono:

I've called agents for the others of the big 3 in Texas (State Farm and Allstate) and they also have this criminal exclusion...I mean really, this makes me think of the movie Tommy Boy where Tommy goes off on his theory of the Warranty Fairy...well I'm thinking of the Insurance Fairy now...what a farce...totally worthless insurance coverage...of no use except to make you think you are safe (until you actually find out you are just throwing money away for coverage that isn't there when you need it for a justifiable reason)

Here's the real kicker...a while back a hurricane (the one that blasted the Texas coast) was projected to have effects up here in Austin...so I called my agent and asked him what was up...I walked away from that conversation thinking I was covered...either my agent is clueless or he's a lying monkey..either way my relationship with Farmers is over...for homeowners, auto, and life insurance...they will not get a single dime from me ever again...apparently Nationwide Insurance does cover a loss just like this, so guess where my $ are going???

to Farmers (and the other 2), my agent, and that worthless adjuster that was sent out:

I've got a barbed broomstick lubed with chunky peanut butter and the bristles soaked in gasoline ready to shove right up your hairless a§§es...got a light LOTR??? It would truly be a grand sight to see those pr!cks running around with a flaming broomstick stuck up their a§§es and them trying to decide whether to rip it out or burn alive...

Hell, they actually deserve the Vietnamese torture treatment...you know, being tied to a big wooden X, and a bucket tied to their scrotum...then a rock is added every day...after about 2 weeks after gangrene has fully set in, their whole intestinal tracks will fall out and they will die in excruciating agony...yeah...that's about what they deserve...

The only thing good about this whole scenario was having spent around $200 on a piece of gnarly Myrtle wood which led to me finding this all out before the $500 of Koa was ruined...

And what's really lucky is that I didn't have my ~$20,000 of guitars in that area..if they had been damaged and not covered, I would already be on national news for what I would have done to those insurance pr!cks...may they all rot in hell, along with the Texas Insurance Commission for allowing this type of practice...they are just as bad as lawyers...worthless vampires sucking the life out of real people...they all belong chained to a chunk of cement on the bottom of the ocean as lobster or crab food....

nothing else to say than l would love to see what you would do to em after reading this story, and be sure that i'll go right away read my contract with my personal insurance company and go ask some REAL question to my representant. And he's better to get some REAL answer, writed down on something official >.>

You should take it to court. That's bogus. I would sue those a.s.s.holes for what everything is worth. That's BS.

I Hate Insurance Companies! All Of Them!


The only thing insurance is to them is to insure that they don't pay your claims, and to insure they get rich.

Ought to shoot the lying bast@rds. Oh yeah, I've got State Farm. My premium has increased afain this year. Never made a claim. Go Figure!

Tom

Peerless, I think you made a wise decision to switch to Nationwide. The only reason I don't have them now is that they don't offer coverage in this wonderful armpit of a state I now live in. When I lived in Chicago, I switched to them after I rear-ended this dumb biatch with my Landcruiser after she slammed on the brakes at a railroad crossing claiming there was a train coming, where there was no train. Come to find out she has a fear of crossing train tracks thus the reason for slamming on her brakes, and me slamming into her at 10 mi/hour-causing $5K in damage to her car, where both of her side view mirrors just fell off of her toyota camry, and barely scratching my heavy steel bumper. Anyway, after USAA raised my rates, I switched to Nationwide, after which I realized that USAA was ripping me off by more than $600 per year!!

I went back to USAA after moving to the East coast and finding out Nationwide doesn't offer coverage in this state due to high rates of insurance fraud. After seeing Progressive's commercials running repeatedly, I switched to Progressive after USAA was about to renew my policy and RAISE my rates with no reason for the increase or why my rates were so high. Now, I am a single male over 30, with NO accidents, a safe driving course to my name (elective to reduce my rates), and no tickets, and went from a fully loaded X5 to a four cylinder Acura with no reduction in rates! Progressive saved me over $600 per year, with BETTER coverage, even offering certain coverages that are not even available with USAA, such as total vehicle replacement coverage where if you have a newer model vehicle (within last 1-2 years) that is totaled in an accident, they will pay for the vehicle replacement and not just the blue book amount.

I would love to see Peerless stick it to those USAA pricks in San Antonio for ripping me off!!! If I still lived in Corpus Crappy, Texas I would do it myself!!

MY Concern
 

Peerless - I agree with you completely about the insurance companies and their attitude to almost any kind of settlement due to water damage. My concern is that if you REALLY cleaned up the mold mess, and I'm not talking about with just bleach and junk. To see what I'm speaking of ( and I'm not selling ANYTHING ), go to my wife's website and check out what mold did to us. We are actually dying because of the insurance company and the medical community's attitude. When I first started finding out about this stuff, it scared me. Check out Toxic Mold - It CAN Poison You... and you may check your cleaning job again. Just a tip from a fellow guitarist. Any contact info you may need is there, also.

well, some of the insurance company are not good

its not just the insurance company, that screws you over , it is also the state that you live in, may have rules that prevent you from sueing , I live in Iowa , we can,t sue an insurance company directly, we have to go thru the state office, so check with your state to see what they allow

The reason you hit her is you were not paying attention, or were tailgating her. Don't blame your bad driving on the woman. Were you talking on your cell phone when you hit her??

and its also quite possible that she slammed on her brakes on purpose just to get rear ended...

Insurance is just a money making scheme. Almost every insurance company in the US does the same exact ****. That's why they're in operation for so long. Jesus, is auto insurance really all that necessary? I've been driving for 9 years with no accidents on record, and it's mandatory for me to at least get liability in case I actually get into an accident? And if I do get liability, my insurance won't cover the expenses if the other ******* rear ends me? I have to go through their insurance company, consult the ****ing claims adjuster to see who was at fault, file a damn lawsuit, etc etc etc?!

The exploitation of our nation's laws through corrupt lobbying has been going on in this country for centuries! Warren G. Harding, Ulysses S. Grant, Richard Nixon, George W. Bush Sr., George W. Bush Jr., etc. Hell, the last president has already done an insane amount of damage to our economy by using his office to push forward legislation created by special interest groups that have put us in another recession. Our economy is currently at an all-time low, and although there are safeguards in place to keep us from plunging into a major depression, we're still reeling from the effects of the Iraq War and the war in Afghanistan. National unemployment rates have skyrocketed to 9%, and unemployment rates in California alone has jumped to just under 20% as of 2009. That means that 1 in every 5 Californians, give or take, are currently unemployed.

Now, every person in our country is hoping Obama can make good on at least some of his promises. I hope he has the power to go after corrupt lobbyists and industry insider political action committees. Grr...

State Farm nightmare
 

I had the same issue, no roof replacement after shingles blew off, they said it was due to the nails popping up, and it was faultly workmanship. I had to make them state that they were not insuring my roof, and to stipulate exactly what they were insuring on my home, after all, what if a tree busted the roof open, would it be faulty workmanship too? What if the brick were layed off center, same? They finally came through when I threatened to go to the State Board. Contact your local news too. Those troubleshooters are good, and it sounds like you have a good human interest story to tell! Good Luck.

CSR of Farmers Insurance! Stands in your Favor!
 

Didn't that make you feel better to get all that out though? :w00t: Peerless, You had a shitty agent, an adjuster that was tired of his job and no one to help you with a solution or understanding and I am sorry you had to experience that. Your agent could have easily prevented all of that! :eek::bangh:

It sounds to me that the agent may have been new, his staff obviously lacked in Customer Service ability, skills or customer knowledge. Though they are few and far between these days A good Insurance agent, (no matter the company), will know you close enough to make sure you know all the fine details and how to protect yourself and your property as well as educate you in the Insurance policy basics regulated by the State Of Texas NOT the Insurance Companies.

:xeri_ok1ani:Please know even with your current Auto/Home insuance carrier, should you have questions you would like to investigate. You have a friend right here that will help you that has 16 years of Agency Management and Customer Service under her belt and a wealth of knowledge in the Personal Lines Auto/Home industry. I am currently retired, as of 5 yrs ago, from a Farmers Insurance agent in Austin. During those 16 years I worked for 3 seperate agents and one district office and consistantly maintained an agency Customer Retention of 90% and above. And I would be curious to know who your agent was...........lol (you can email me that if you want to....ha!)

I loved my job and miss being able to help others understand something that is otherwise to them a pile of missleading and useless crap that they had to have. So, I am here to help if you or anyone else needs it Just because! And I wont get mad if you yell or cuss, It's always been a part of the job requirements.....lol:w00t:

Regards,
Rams Maiden
Aka Vickie Scott

I have the same opinion like the most of you guys.
I'm with MachoTacoSauce...Insurance Companies just make money and to get your money they do all things to actually keep the money.

It's the same with Travel Insurances while Corona...you close a deal for a travel but then something like a pandemie happens and the Insurance can't help you cause it's not their issue and Area of ​​responsibility.... Congratulations!