Nothing like piling on. Unless each of you has more than 10 years in the claims business and have personally worked a catastrophic claims event like a hurricane,I suggest you lighten up.
Joe’s perspective is coming from that of the adjuster. These people are the “first responders” so-to-speak, and are the face of the insurance company to those in need. I can tell you from personal experience that they spend time away from their families and live in lousey conditions to help those in need. They aren’t in the boardrooms and high level meetings and don’t want to be. And for those of you who do nothing but bash insurance companies, who do you work for and what contributions have you made recently to improve things?
Having worked as a catastrophe adjuster for regional and national P&C carriers, I’m proud of the job they do. Insurance policies never cover everything. People are personally responsible for understanding what is, and what isn’t covered. I’m shocked that nobody has bashed the local agents on this. They’re the ones who sold the policies and should have educated their clients.
If you think the industry is so bad, I suggest you focus your time and energy on making a positive difference. Where would society be without insurance companies? In the end, if you can find a place where things are handled better, perhaps you should consider re-locating there.
I hope you never experience a disaster that requires an insurance response. But if you do, I’d be willing to bet your experience with your company and adjuster will be a pleasant surprise.
Truth is 90% of those whining about not being covered were fully aware that they needed flood coverage. However, many lived in areas that had NEVER SEEN FLOOD WATER BEFORE FROM ANY CAUSE. That does not change the FACT THAT WIND DAMAGED HOMES BEFORE THE WATER!!!!! These people just find it hard to believe that they were and are offered NOTHING FOR WOIND DAMAGE. State Fram and Nationwide made the corporate decision to DENY any wind damage on contract clauses THEY KKNEW would be struck down. I have said it before, they could have saved a lot of grief and money and paid reasonable wind damage on first call and it would all be behind them now. They chose the usual State Farm path of go to h*#@ if you don’t like our way.
All I can wish for you is to loose everything and feel the pain these people have felt. How does one “get on” with their life when it has blown away…have you been to where Katrina hit? We just came back from the area and had a difficult time finding a gas station or even a grocery or pharmacy. These people not only lost their homes but their places of business. You can’t “get on” with you life if you no longer have any income. You are nothing but a greedy selfish and heartless person. I’d like to know what adversity YOU have faced in your measly life….what did you get a scratch on your Jaguar. Your comments are disgusting and WAY out of line!
Some interesting comments Joe.
I’ll have to follow up with your explanation of the policy holder versus insured.
I DO know that FL and California are some of the toughest states for Insurance Companies as well as Wv,Ny and De.
Most companies are focusing on the Midwest states to tap for money now however because of this years weather maybe there has been a change in strategy?
It would be intersting to find something on findlaw surrounding this information.
Your post appeared to be in response to mine. Here I am trying to be nice and light and you come on like the Jack%&^* you usually are with your constant whining about State Farm. Do you know that most businesses and society in general have changed to new names for old things. Associate for employee and so forth. Probably a symptom of political correctness. As far as I know most companies have changed various terms including insured. Big deal. Now rant some more about State Farm. I don’t know or care about State Farm. If they are bad players, the courts should stick them good. If not, shut up.
My company has always had higher losses in the Midwest. The states in the Midwest just generally don’t take the idiotic approach of a Florida to insurance regulation.
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Very well said! A claim is a claim is a claim. You pay premium for coverage they should pay what they owe period!
To All:
Nothing like piling on. Unless each of you has more than 10 years in the claims business and have personally worked a catastrophic claims event like a hurricane,I suggest you lighten up.
Joe’s perspective is coming from that of the adjuster. These people are the “first responders” so-to-speak, and are the face of the insurance company to those in need. I can tell you from personal experience that they spend time away from their families and live in lousey conditions to help those in need. They aren’t in the boardrooms and high level meetings and don’t want to be. And for those of you who do nothing but bash insurance companies, who do you work for and what contributions have you made recently to improve things?
Having worked as a catastrophe adjuster for regional and national P&C carriers, I’m proud of the job they do. Insurance policies never cover everything. People are personally responsible for understanding what is, and what isn’t covered. I’m shocked that nobody has bashed the local agents on this. They’re the ones who sold the policies and should have educated their clients.
If you think the industry is so bad, I suggest you focus your time and energy on making a positive difference. Where would society be without insurance companies? In the end, if you can find a place where things are handled better, perhaps you should consider re-locating there.
I hope you never experience a disaster that requires an insurance response. But if you do, I’d be willing to bet your experience with your company and adjuster will be a pleasant surprise.
Joe is absolutely correct!
But think Joe the bonus’ will be lower next year if they don’t play games!
Well said!
Truth is 90% of those whining about not being covered were fully aware that they needed flood coverage. However, many lived in areas that had NEVER SEEN FLOOD WATER BEFORE FROM ANY CAUSE. That does not change the FACT THAT WIND DAMAGED HOMES BEFORE THE WATER!!!!! These people just find it hard to believe that they were and are offered NOTHING FOR WOIND DAMAGE. State Fram and Nationwide made the corporate decision to DENY any wind damage on contract clauses THEY KKNEW would be struck down. I have said it before, they could have saved a lot of grief and money and paid reasonable wind damage on first call and it would all be behind them now. They chose the usual State Farm path of go to h*#@ if you don’t like our way.
People don’t carry the proper insurance because they can’t afford the outrageous rates by the insurance companies!
All I can wish for you is to loose everything and feel the pain these people have felt. How does one “get on” with their life when it has blown away…have you been to where Katrina hit? We just came back from the area and had a difficult time finding a gas station or even a grocery or pharmacy. These people not only lost their homes but their places of business. You can’t “get on” with you life if you no longer have any income. You are nothing but a greedy selfish and heartless person. I’d like to know what adversity YOU have faced in your measly life….what did you get a scratch on your Jaguar. Your comments are disgusting and WAY out of line!
Some interesting comments Joe.
I’ll have to follow up with your explanation of the policy holder versus insured.
I DO know that FL and California are some of the toughest states for Insurance Companies as well as Wv,Ny and De.
Most companies are focusing on the Midwest states to tap for money now however because of this years weather maybe there has been a change in strategy?
It would be intersting to find something on findlaw surrounding this information.
Your post appeared to be in response to mine. Here I am trying to be nice and light and you come on like the Jack%&^* you usually are with your constant whining about State Farm. Do you know that most businesses and society in general have changed to new names for old things. Associate for employee and so forth. Probably a symptom of political correctness. As far as I know most companies have changed various terms including insured. Big deal. Now rant some more about State Farm. I don’t know or care about State Farm. If they are bad players, the courts should stick them good. If not, shut up.
My company has always had higher losses in the Midwest. The states in the Midwest just generally don’t take the idiotic approach of a Florida to insurance regulation.