Insurance denying claim for ripped floor
All, I posted an earlier thread about how my vinyl floor ripped this winter, and heard from many of you on your similar experiences. I didn't want to file a claim with my insurance, so I started r...
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I had never heard that the actual policies from USAA were written by Progressive - that is quite interesting.
Bob - that is incredible about your awning. It must be a good gig to be in when you can pick and choose like that. "Ohhh, your awning is white? We don't cover that, as it tends to show dirt more easily, which is a sign of wear and tear and downright neglect, thus why it was damaged when backing in. Thanks anyway, and even though we have not honored your claim or our commitment to you, we will be doubling your premiums because you are now an increased risk."
Its funny - I REALLY didn't want to file a claim anyway - my mom and sister, who both work(ed) in insurance, have told me so many times the dangers of filing claims - rates going up, being dropped, etc. But even they were of the opinion "you don't have a history of claims, the damage needs to be done by pros, and this is what you have insurance for".
Shopping around wont be any fun either, as everyone I talk to is going to say "ohhh yeah, we would have covered that, in fact we would have upgraded your A/C and put on electric jack stands because we love you so much, its too bad you weren't with us".
Bob - that is incredible about your awning. It must be a good gig to be in when you can pick and choose like that. "Ohhh, your awning is white? We don't cover that, as it tends to show dirt more easily, which is a sign of wear and tear and downright neglect, thus why it was damaged when backing in. Thanks anyway, and even though we have not honored your claim or our commitment to you, we will be doubling your premiums because you are now an increased risk."
Its funny - I REALLY didn't want to file a claim anyway - my mom and sister, who both work(ed) in insurance, have told me so many times the dangers of filing claims - rates going up, being dropped, etc. But even they were of the opinion "you don't have a history of claims, the damage needs to be done by pros, and this is what you have insurance for".
Shopping around wont be any fun either, as everyone I talk to is going to say "ohhh yeah, we would have covered that, in fact we would have upgraded your A/C and put on electric jack stands because we love you so much, its too bad you weren't with us".
