Here comes the FLOOD!

[bburn]

Saying this once again....I cannot imagine what you are having to go through. I have followed this thread from the time of your first post. I thinkk about you often and when the weather comes on you come to mind right away.

You and yours are in my thoughts and prayers!

 

[WriterofWords]

Wow,, I just can't fathom that much water. Today is our 104th day with no precipitation at all. The last rain was in Dec. the last precip. was a tiny little bit of snow in Feb. So it's 104 days since the snow,, if you don't count that and go back to the rain it's over 160 days.

 

[PiratePrincess]

Quote:
I figured it wouldn't be long before one of my pet peeves surfaced on this thread. I am an insurance adjuster, been so for over 20 years and my parents before me. Insurance companies are always made out to be the big bad guys when they really aren't, at least not anymore so than any one else. They are profit companies not charities. They are entitled to make a profit. We don't "cheat" our insureds. We pay what we owe under the policy....no more and (PAY REAL CLOSE ATTENTION HERE) no less. Are there some bad adjusters out there? Of course, same as with every single other profession out there but they are far outweighed by the good guys, like me and my coworkers who are out there every day doing everything we possibly can to get coverage for our insureds and to get their claims paid.

The next time someone out there wants to grump about their insurance adjuster please consider this. My job requires me to climb on three story roofs with 12/12 pitches in the middle of winter when it's 15 degrees out. My job requires me to work those same roofs when it is 108 degrees out. Crawl under houses when there has been a sewer leak. Go into neighborhoods that are crime and gang infested. Enter foreclosed homes and be accosted by squaters with guns. Try to explain to someone who is screaming and cussing at me that there isn't any coverage for their loss or our insured isn't liable for their damages. Always be on the lookout for fraud which is prevalent and costs the industry over $5 billion every year. It's endless. It's a mostly thankless job with a fair amount of health hazards attached.

The best thing anyone can do, and the easiest, is to just read your insurance policy. If you don't understand it, make your agent explain it to you. It's not the insurance company's job, nor mine, to know what you have covered and don't have covered. Read the policy.

~steps off her soap box~

Return to your regular broadcast.

 

[Baymule]

Quote:
I figured it wouldn't be long before one of my pet peeves surfaced on this thread. I am an insurance adjuster, been so for over 20 years and my parents before me. Insurance companies are always made out to be the big bad guys when they really aren't, at least not anymore so than any one else. They are profit companies not charities. They are entitled to make a profit. We don't "cheat" our insureds. We pay what we owe under the policy....no more and (PAY REAL CLOSE ATTENTION HERE) no less. Are there some bad adjusters out there? Of course, same as with every single other profession out there but they are far outweighed by the good guys, like me and my coworkers who are out there every day doing everything we possibly can to get coverage for our insureds and to get their claims paid.

The next time someone out there wants to grump about their insurance adjuster please consider this. My job requires me to climb on three story roofs with 12/12 pitches in the middle of winter when it's 15 degrees out. My job requires me to work those same roofs when it is 108 degrees out. Crawl under houses when there has been a sewer leak. Go into neighborhoods that are crime and gang infested. Enter foreclosed homes and be accosted by squaters with guns. Try to explain to someone who is screaming and cussing at me that there isn't any coverage for their loss or our insured isn't liable for their damages. Always be on the lookout for fraud which is prevalent and costs the industry over $5 billion every year. It's endless. It's a mostly thankless job with a fair amount of health hazards attached.

The best thing anyone can do, and the easiest, is to just read your insurance policy. If you don't understand it, make your agent explain it to you. It's not the insurance company's job, nor mine, to know what you have covered and don't have covered. Read the policy.

~steps off her soap box~

Return to your regular broadcast.

A pipe burst in our ceiling last December and we had a rider on our policy just for that reason. Our adjuster was wonderful and helped make a miserable experience more bearable. You are right, know what your policy covers and what it does not.

 

[Tala]

Quote:
I figured it wouldn't be long before one of my pet peeves surfaced on this thread. I am an insurance adjuster, been so for over 20 years and my parents before me. Insurance companies are always made out to be the big bad guys when they really aren't, at least not anymore so than any one else. They are profit companies not charities. They are entitled to make a profit. We don't "cheat" our insureds. We pay what we owe under the policy....no more and (PAY REAL CLOSE ATTENTION HERE) no less. Are there some bad adjusters out there? Of course, same as with every single other profession out there but they are far outweighed by the good guys, like me and my coworkers who are out there every day doing everything we possibly can to get coverage for our insureds and to get their claims paid.

The next time someone out there wants to grump about their insurance adjuster please consider this. My job requires me to climb on three story roofs with 12/12 pitches in the middle of winter when it's 15 degrees out. My job requires me to work those same roofs when it is 108 degrees out. Crawl under houses when there has been a sewer leak. Go into neighborhoods that are crime and gang infested. Enter foreclosed homes and be accosted by squaters with guns. Try to explain to someone who is screaming and cussing at me that there isn't any coverage for their loss or our insured isn't liable for their damages. Always be on the lookout for fraud which is prevalent and costs the industry over $5 billion every year. It's endless. It's a mostly thankless job with a fair amount of health hazards attached.

The best thing anyone can do, and the easiest, is to just read your insurance policy. If you don't understand it, make your agent explain it to you. It's not the insurance company's job, nor mine, to know what you have covered and don't have covered. Read the policy.

~steps off her soap box~

Return to your regular broadcast.

Every time I've ever head anyone complaining about their insurance, the issue was usually with the particular agent or adjuster. My family has been using the same company and agent for 3 generations now, because they take care of us. Lets just hope he doesn't think about retiring anytime soon.

There are good and bad in every business, if you don't like your insurance people by all means SWITCH!!! Unfortunately, it usually takes something bad happening before you find out that you got a bad one...

 

[Mama_Chicken]

I hope all is well with the OP and the waters are starting to receed!!

My husband sent me a link with some good pictures of the flood and measures home owners are taking to try and save their homes. http://www.dailymail.co.uk/news/art...sidents-build-homemade-dams-saves-houses.html

 

[EweSheep]

Not all insurance companies are created equally, nor are the claim adjusters. We did switch insurance companies after what one company did to those victims and all the other companies follow suit. I know there are HARD working adjusters out there but at the mercy of the companies themselves, either they are good or bad. I dont blame the adjusters, just the insurance companies, particuarly ONE I hated. I know they have to make profit but once the monies going out faster than they bring them in, they would balk or "short-change" or change their policy that the insured could not get the same kind of insurance. That particuar insurance company left me a very bad taste in my mouth and I would not hesitate to "bad mouth" the company like any customer or know of someone who is employed there. Dirty little secrets they got the companies do not want you to know. Its like that guy that upset the stock holders and sent to jail for that.

I love my home and car insurance company and our agent as well. Quick and painless in filing damages, getting reports from repairmens and submit the whole thing to the insurance company. Our agent told up front, we will not cover flood insurance but you would need to fill out from the gov't for flood insurance and pay thru them. We opt out because it was too problematic and sometimes very vague with the agents or cutting corners on certain things.

I hope the OP's property is getting some water out of the areas. Hope you don't have to raise your house any higher either because I am hoping it is just one of those 100 year floods.

 

[cackydoodledoo]

Quote:
I figured it wouldn't be long before one of my pet peeves surfaced on this thread. I am an insurance adjuster, been so for over 20 years and my parents before me. Insurance companies are always made out to be the big bad guys when they really aren't, at least not anymore so than any one else. They are profit companies not charities. They are entitled to make a profit. We don't "cheat" our insureds. We pay what we owe under the policy....no more and (PAY REAL CLOSE ATTENTION HERE) no less. Are there some bad adjusters out there? Of course, same as with every single other profession out there but they are far outweighed by the good guys, like me and my coworkers who are out there every day doing everything we possibly can to get coverage for our insureds and to get their claims paid.

The next time someone out there wants to grump about their insurance adjuster please consider this. My job requires me to climb on three story roofs with 12/12 pitches in the middle of winter when it's 15 degrees out. My job requires me to work those same roofs when it is 108 degrees out. Crawl under houses when there has been a sewer leak. Go into neighborhoods that are crime and gang infested. Enter foreclosed homes and be accosted by squaters with guns. Try to explain to someone who is screaming and cussing at me that there isn't any coverage for their loss or our insured isn't liable for their damages. Always be on the lookout for fraud which is prevalent and costs the industry over $5 billion every year. It's endless. It's a mostly thankless job with a fair amount of health hazards attached.

The best thing anyone can do, and the easiest, is to just read your insurance policy. If you don't understand it, make your agent explain it to you. It's not the insurance company's job, nor mine, to know what you have covered and don't have covered. Read the policy.

~steps off her soap box~

Return to your regular broadcast.

Every time I've ever head anyone complaining about their insurance, the issue was usually with the particular agent or adjuster. My family has been using the same company and agent for 3 generations now, because they take care of us. Lets just hope he doesn't think about retiring anytime soon.

There are good and bad in every business, if you don't like your insurance people by all means SWITCH!!! Unfortunately, it usually takes something bad happening before you find out that you got a bad one...

I think too many people are going to these fly by night companies to get their insurance because they are cheaper. Cheaper usually translates to "oops we don't cover that". Our family has been with the same company for over 50 years. We have used the same agent's office although the actual agent has changed a couple of times due to death or retirement. The agent I have now is AWESOME! Always available to answer my questions and has no problem meeting with me on my schedule even if that means meeting at 6pm. She is actually more of a friend than agent!! I always say if your having a problem with an adjuster CALL YOUR AGENT!! That's what you pay them for. They are supposed to be there to help you!

 

[jenjscott]

Just a snippit... Iwent out to feed guineas the day before yesterday. I don't know how they are surviving, the buffalo gnats were terrible. The water had dropped about 6 inches. A friend of ours (a fisherman) went by the house yesterday and said the small boat is now sitting on the back porch. Yea! another 6 inches or so and it will be out of the house. I should be pulling up carpet by Sunday.

 

[EweSheep]

Where on earth did the buffalo gnats come from? I don't think you got buffaloes in your area, do you? Unless you have water buffaloes LOL!