Anyone know a good home insurance provider?
We got some damage to the roof during a violent rainstorm in late October, and called in a claim. The claims adjuster came out, told us the roof was too old to process a claim for, and advised us to either get it patched or get it re-roofed ourselves.
Fine, no big deal.
We were then advised that our second claim, for replacing a piece of soffit molding that got torn off, would be something we should just take care of ourselves, because even if it cost more than our deductible, it would raise our premiums so much that we might as well pay for it out of pocket.
Wait, what?
I pay 2k in premiums per year so that if my house gets damaged, you can jack up my premiums?
Now we have a letter from our insurance company saying that if we don't repair the damage by March, they'll stop underwriting us. These are the same people who have refused to cover any damage from insects, rodents, water, fire, or wind in the past. While I don't expect anyone to cover a roof so old that records don't even exist for the last time shingles were layered on (and I mean layered, it's probably six or seven deep up there), I do expect to get SOMETHING for my premium payments. As it stands, my house would have to explode in such a way that the insurance company couldn't call it an act of god, act of war, or terrorist act, and yet could not possibly be blamed on me or anyone else, in order for me to get any kind of benefit at all.
So, anyone know an insurer who does more than just take your check every month and cash it? This is starting to sound like a good line of work, maybe I should get into the insurance business....
Fine, no big deal.
We were then advised that our second claim, for replacing a piece of soffit molding that got torn off, would be something we should just take care of ourselves, because even if it cost more than our deductible, it would raise our premiums so much that we might as well pay for it out of pocket.
Wait, what?
I pay 2k in premiums per year so that if my house gets damaged, you can jack up my premiums?
Now we have a letter from our insurance company saying that if we don't repair the damage by March, they'll stop underwriting us. These are the same people who have refused to cover any damage from insects, rodents, water, fire, or wind in the past. While I don't expect anyone to cover a roof so old that records don't even exist for the last time shingles were layered on (and I mean layered, it's probably six or seven deep up there), I do expect to get SOMETHING for my premium payments. As it stands, my house would have to explode in such a way that the insurance company couldn't call it an act of god, act of war, or terrorist act, and yet could not possibly be blamed on me or anyone else, in order for me to get any kind of benefit at all.
So, anyone know an insurer who does more than just take your check every month and cash it? This is starting to sound like a good line of work, maybe I should get into the insurance business....