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 lead 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...

those three agents also use your credit report against you in tx..regardless of your driving record

yep they do...a§§holes they are!...doesn't matter if you've never defaulted on a ****...doesn't matter that you paid all the late fees (and thereby increased the profit margin for the company)...its just a way for them to shove it up your a§§ and hurt you more...

and here they want to raise their rates even more...I guess their CEO's need another yacht or two finished out in pomelle sapele...

F*** Allstate
 

You know it's not just in Texas, they're everywhere, so I also have a short story. I'm also from Texas living in Az. which is the closest thing to HELL that I can imagine. Went to Allstate for a quote on my new Dodge Charger. First thing out of this Jackasses mouth was, we need you're SS#. Would'nt you think they might want to know what you're driving record looked like?? Nope Just asked me if I had had any tickets or accidents. Came back with a quote of 376.00 a month for 6 months. I :cheesy::cheesy: and walked out. Drove about 5 miles and got a policy for 132.00 for 6 months. So I called that FAT F*** and told him he could stick his quote up his A**.

US Insurance Companies
 

Remoc

Not being a USA citizen but interested in your story, I'd like to ask you to cut down on the US abbreviations, for example, you mentioned SS#, which I take to mean social security number. However, in the UK the nearest equivalent is our NI number (National Insurance) and we are not obliged to carry or produce them for identification.

Also, what is AZ? Is it short for Arizona? But that couldn’t be because Arizona is a different US state. So you see, US abbreviations can get somewhat confusing to forum members who do not live in the US.


Peerless

Now, Texans are world-renowned for their love of guns:rolleyes_2:, so much so that I believe that in some places in Texas you can get a free gun with your take-away (take-out?). :laugh_2:

Anyway, this Insurance Adjuster comes to your home, royally shafts you then says, “Smile, it’s fair”. I am surprised that he left your home with all his bodily parts intact, you must have shown some real self-restraint:w00t::yikes:.

You know, your story reminds me of a Billy Connolly film (Scottish comedian, he recently toured the States on a three-wheeled motor bike) whereby, like you, he put in an insurance claim for the damage done to his fishing boat during a storm. He was also told his claim would not be paid because it was an “Act of God”. So he sued God.

The upshot was that Insurance companies could never again use an “Act of God” to deny a claim. Although it was only a comedy film it contained a grain of truth, i.e. insurance companies will use any excuse not to pay a claim :super:.

Finally, you should report this "slippery" practice to the Texas Insurance Commission, if they are not a corrupt organisation then they might use your complaint to help build a case against your (former) insurance company.



UK Bob

PS. The film is called "The Man Who Sued God", it was made in 2001 and is more than likely available on DVD.

376 for six months is good..they wanted six hundred down from me..and it was like 4000 for a year for two cars...I laughed at the guy on the phone..and said...my down payment is what i pay for six months for one car..i dont think so...

ps..our driving records are impeccable..and the only negative things on my credit? two old chargeoffs from 6.5 years ago..everything from the last 5 years is paid or paid on time...

I went through AAA...so far they've been wonderful

oh trust me....I've filed a complaint...if they (Farmers) pulled the old automatic denial as is so often in movies, then they fùcked up...I've been a customer of theirs for 20 years, and I'll be damñed if I'm going to play that game...so of course I went straight above their worthless corporate heads...

Sorry UKBob, I often forget that I am amongst a very diverse group here which makes it very interesting and also a lot of fun. Yes Az. does stand for Arizona, and also you guessed SS# correct. The reason why they ask for your SS# is to check your credit. Thats what I was trying to convey. They are not as concerened with your driving record as they should be. They are more concerened with your creditworthyness. If you have bad credit, you will pay a lot higher rate than someone with good credit. Hope I cleared that up.

Therria4, No they wanted 376.00 a month for 6 months = 2256.00.

The rate I received from Titan is 132.00 a month for 6 months = 792.00

Thats how bad the BIG boys will rip you off. The same coverage Quoted by both.

i meant to say 376 a month for 6 months is good...sorry..i went back through the paperwork i had received from allstate after the fact..the first set of paperwork was like...here's your auto quote for $2342343 a year for two cars (exaggerating a bit) it was then when i didnt respond they sent another saying based on your credit file we can't extend coverage to you..