State Farm for using loophole to deny coverage to Hurricane Ida victims

Robert59

Robert59

Well-known Member
Location
Now I live in Tennesee. Did live in Michigan.
Robert59 said:
Thursday where he spoke about the devastation left by Hurricane Ida, and the need for insurance companies to take care of their policyholders. While some companies, like Allstate and USAA, have agreed to cover some additional costs, State Farm has reportedly refused to cover any extra costs for homeowners who were not under a mandatory evacuation order.

https://www.yahoo.com/entertainment...coverage-hurricane-ida-victims-064537123.html
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Same old story. Insurance companies finding ways to deny payment. It's like paying for a new car and being able to take only the rear-view mirror home.
 
There was a very cautious man
Who never laughed or played
He never risked, he never tried,
He never sang or prayed.
And when he one day passed away,
His insurance was denied,
For since he never really lived,
They claimed he never really died.

(Anonymous poem)
 

We've had Liberty Mutual for 35 years. They are wonderful and when we went through Hurricane Ike in 2008 and a huge tree fell on our metal roof, they were johnny on the spot with a $26,000 check.

When you have insurance, the cheapest isn't always the best - better to check out the financial ratings and customer reviews. After all, when you need it you need it, why else pay for it when you don't need it!
 
win231 said:
Insurance companies make money two ways.
By collecting premiums.
By avoiding or minimizing payouts. (any way they can)
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That's right. I think it might have been in the Michael Moore documentary film "Sicko" where an employee of an insurance company said that paying out was considered "a loss" and that employees were harshly discouraged from paying out anything, and to find any technicality or excuse at all not to do so. Well, whatever film it was that's what he said. Yes, I think it was "Sicko". Back me up here, somebody.
 
Verisure said:
That's right. I think it might have been in the Michael Moore documentary film "Sicko" where an employee of an insurance company said that paying out was considered "a loss" and that employees were harshly discouraged from paying out anything, and to find any technicality or excuse at all not to do so. Well, whatever film it was that's what he said. Yes, I think it was "Sicko". Back me up here, somebody.
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Yes, it was "Sicko."
On an episode of "Judge Judy," a litigant was suing a reckless taxicab driver when she was injured in an accident he caused. The judge asked the victim if her medical insurance covered part of the bill. She explained that they wouldn't cover any of it because "I was a passenger; not the driver" or some similar excuse.
The judge was furious & I'll never forget what she said because it isn't said very often by judges: "Those medical insurance companies are the LOWEST FORMS OF LIFE. They collect premiums from people & their employers every month; they make huge profits & they look for any little excuse to avoid paying when someone is injured or sick."
 
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That's what loopholes are for.

You know you live in a progressive society when you need to consult an attorney before signing the insurance papers.
I don't know why they call it a policy. Technically, it's an agreement.
 
win231 said:
Yes, it was "Sicko."
On an episode of "Judge Judy," a litigant was suing a reckless taxicab driver when she was injured in an accident he caused. The judge asked the victim if her medical insurance covered part of the bill. She explained that they wouldn't cover any of it because "I was a passenger; not the driver" or some similar excuse.
The judge was furious & I'll never forget what she said because it isn't said very often by judges: "Those medical insurance companies collect premiums from people & their employers every month; they make huge profits & they look for any little excuse to avoid paying when someone is injured or sick."
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It's true too and Judy does get angry sometimes.
 
We've had State Farm since 1972 for both home and auto insurance. Six different agents in the various places we have lived. A few claims... nothing devastating... and they always paid. Well, up until our last claim.
Our current agent recommended a rider for home appliance/systems protection. Heck! $100/year and it covers HVAC systems, water heater, and built in appliances such as dishwasher. Our heat pump failed. I called our agent. He said to get estimates, with each contractor stating it was irreparable, and get the thing fixed. (It was in the dead of winter.) Got it replaced and turned the estimate and bill into the agent.
A few days later, he asked if the contractor still had the old unit. I called the contractor and he said they take the old units to the local landfill. State Farm refused the claim because "an adjustor didn't have the opportunity to look at it and authorize the claim"!!!!
I was pretty upset. We immediately cancelled the rider and shopped other insurance companies. Due to our longevity with State Farm and the various discounts we have earned, no reputable company could compete. We have stayed with SF, since only the one issue. Fingers crossed this will be the only refusal to honor their commitment should we have another claim. Just don't feel as comfortable as we have over all the years we've paid premiums to them.
 
Gary O' said:
Gotta admit, Liberty has demonstrated considerable patience in waiting over a year for just the right time to slip in that blurb....
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I've got nothing from Liberty except great service when I've needed it. I'm sure there are other good companies out there, too - they just probably aren't the cheapest ones.

God do I hate their stupid commercials, though...lol.
 

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