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I had an appraiser check my roof five years ago when it was "raining" in one bedroom. He said, "your roof is fine, there's nothing wrong with it." A year ago I had another adjuster say same thing when
it was still "raining" in bedroom. I had a contractor check the roof and attic and he discovered how water was getting in. I paid for complete roof replacement of shingles, etc. Have had NO "rain" in bedroom since. NOW this insurance company wrote me a letter saying it will drop my coverage because my roof is in bad repair. EXCUSE ME! The contractor sent his certification that he had
replaced the roof. Here we are 18 months later and I've had no leaks. So what kind of nuts are working at this company? Want to know the insurance company? How is it that two inspectors who are supposed to be experts at roof evaluation told me there's nothing wrong with my roof then a year
later the company sends a letter threatening to cancel my home owner's insurance because my roof is in bad repair? Makes me think they smoke pot all day at work. Want to know the company?
Policy holders should get back at least 50% of the annual premium if no claims are filed. Insurance is the biggest ripoff
in the world and it is mandated by the government.
Insurance is one of the biggest rip offs there is. The don't cover a lot of things and hide that fact in fine print buried in obsure clauses in lengthy policies. You pay and pay and pay, I paid in for 30 years to the same insurance company starting out at around 400 a year and up to 1500 a year and never files a claim. During that time the raised my deductable, and every time there was disaster somewhere else they raised the rates of all the customers to pay for it so their executives could get huge raises and big bonuses. The finally I had to file a claim, a tree in my yard fell on my car, guess what they don't cover that after all its my car and my yard and my tree. Then a few months later my roof leaked and I was told my roof was just worn out and neede replaced and I should have done that already and they wouldn't cover that either because I should have excercised more care. The roof wasn't that old 7 years.
They rip you off on home owners, auto and health insurance. I honestly have to wonder where they shareholders in these corporations are and why they are not paying attention to how these companies are run. The CEO's etc just vote themselves huge salaries and benefitsand big bonuses every year and who is paying for it. The customers who have to pay higher and higher rates.
Here is what I found out, Shop for insurance every two years, compare policies and read them thoroughly Use independant agents who represent more than one company. Don't be afraid to change to companies mid policy if the company you are with does something you don't like or they are unfair to you. They have to refund the unused portion of your policy, After all you prepay for they year and they are using your money to invest and make more money.
As a contractor with over 40 years experience, having done some work for insurance companies and most recently working actively as a Public Insurance Adjuster in SE Pennsylvania, these testimonials just reinforce my belief that anyone who suffers any type of property damage should at the least consult with a Public Insurance Adjuster and more importantly hire one to represent them in the negotiations with their insurance company. I get the question all of the time "what is a public adjuster'? The quick response is an advocate for the consumer. we are trained in both construction and insurance coverage's to assist the homeowner in maximizing the settlement. I know in Pennsylvania Public Insurance Adjusters are licensed and regulated by the PA Department of Insurance. Insurance Company adjusters are not.
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