Are you kidding me? USAA is terrible with their claims service. Remember the 1998 New Braunfels/Guadalupe River flood? We had a doctor who was sold a flood insurance policy by one of those unlicensed poorly trained processors without contents coverage. His house was completely distroyed. They even TOLD HIM HE HAD CONTENTS COVERAGE THE NIGHT OF THE FLOOD! They paid under E&O. They’re notorious for Flood insurance troubles.
I was just hit by a USAA insured this week, and they told me tonight at 5:30 that I needed to have my rental car in by 6:00 or they weren’t paying. Sorry I live in Seguin and the car was in San Marcos (for those of you who know Texas). And the lady just couldn’t understand my protests. They’re just not professional.
TW shouldn’t have to involve the FL dept of Ins! This is why insurance companies get sued, because adjusters are cheap with estimates. If they’d be decent, come out and look at the damage, talk with the flood adjuster on the phone, work something out, then no lawsuits would be filed. I happen to work in the insurance industry as an agent, and personally can say, after being an agent in southern Houston after TS Allison, that adjusters are subborn and thick headed. I’m not for frivious lawsuits, or lawsuits at all, but when adjusters act like this (and we all know they’re out there being like that), then sue away.
One day the lawsuits will decline, but it has to be an effort from both reform, AND insurance companies learning to not try and short change the insureds in time of need.
I live in Pensacola, my home and all its
contents were lost in Ivan. I had flood insurance and upgraded Hurricane insurance. I had flood and wind damage to a 5 yr old 3,400 Sf brick home. Flood came out and declared it a total loss, but said that there was obvious wind damage. The wind adjustor said it was all flood without even seeing. We sent a letter from a contractor to them stating the wind damage, along with pictures to make someone have to come out. Two months later we received the most absurdly low wind damage estimate from our adjustor.
We have called and requested another adjuster come out. It’s seems easy for you all to sit smugly at your computer and blame the victims here. I lived in Grande Lagoon subdivision we were particularly hard hit by the storm and we are all fighting the same battle with insurance companies wanting to declare it all flood. I never expected the insurance company to come in and do anything heroic or extraordinary as far as an offer but I did expect them to act like humans. I cant imagine how you can see a family lose everything they own and then try and give them the shaft.
TW…
Your situation is understandably tense and there is no easy answer to getting the flood and wind adjusters to work on the same page. The Florida Department of Financial Services should be able to assist you in getting the adjusters on the same page. You’d be suprised how cooperative they can be once the DFS is involved. Try them at FLDFS.COM and you should be able to get releif. It’s better than hiring an attorney. That’s the last resort.
I’ve been in this business since 1971 and in Fla, even then, you had to buy windstorm coverage in certain areas from the pool (JUA) and flood coverage from NFIP (with a slight detour when the gov’t tried to get private carriers to cover it). When dealing with a 1-800 number, you get what you pay for. No advice and no personal service. Well, lawyers, especially ones with no morals or integrity will “feed” anywhere they can. Maybe the courts should make this lawyer (term used loosely) pay the defense costs for all carriers that win! Maybe we can learn one thing from the British, whose attorney’s must pay defense costs if they lose when their clients can’t. Wouldn’t that be a kick.
The people in Maryland are still trying to get a fair deal from the flood insurance companies.
It’s over 13 months and we are still fighting to reclaim our lives with Omaha Mutual flood ins.
Mr. Bearman would be welcome here because so many of us have been cheated and no one does anything but investigate. Many of us are still in trailers and temp housing. We paid for this coverage, and they are not paying us and we can’t believe the insurance people are not in jail. They cannot be human for what they are doing to all of us.
Shame on all of you!
The state of Maryland and Anne Arundel county have not helped us at all.
We all knew when the hurricanes hit Florida, that it was just the beginning of your nightmares.
Good luck to all of you.
Okay….. When do consumers/insureds plan to be responsible for their assets. It is so easy to blame the agent. I don’t deny that there are agents who dont present all the options to insureds but that really is a small number but here again when does the insured become responsible in protecting there assets. I know when I need to get my own changed in my car I dont wait for a mechanic to call me and if Im not sure I ask the question according. It is all common sense. We are here to serve the consumer/insureds but WE ARE NOT BABYSITTERS EITHER!!!!!
ALY W – I AGREE. UNFORTUNATELY, OUR SOCIETY SEEMS TO HAVE REACHED A POINT OF WHERE NO ONE IS RESPONSIBLE FOR THEIR OWN ACTIONS. THE TRAITS OF PERSONAL INTEGRITY AND CHARACTER, ETC ARE SORELY MISSING IN A LOT OF PEOPLE. I AM NOT A BIG FAN OF ATTORNEYS, BUT I DON’T THINK THEY ARE TOTALLY TO BLAME FOR THIS. WE AS A SOCIETY NEED TO GET BACK TO SOME BASIC FUNDAMENTALS OF SELF RELIANCE – IN THE BROADEST SENSE OF THE WORD.
JR. I couldnt have expressed it more beautifully. I believe in fairness and am an honest csr agent. I can sleep at night knowing that I at least offered some education in how to protect yourself and your hard worked assets. Some appreciate that but am shocked in how many are offended to be educated. I can only hope that people really begin to be more involved in what their purchasing and questioning what they dont understand.
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Are you kidding me? USAA is terrible with their claims service. Remember the 1998 New Braunfels/Guadalupe River flood? We had a doctor who was sold a flood insurance policy by one of those unlicensed poorly trained processors without contents coverage. His house was completely distroyed. They even TOLD HIM HE HAD CONTENTS COVERAGE THE NIGHT OF THE FLOOD! They paid under E&O. They’re notorious for Flood insurance troubles.
I was just hit by a USAA insured this week, and they told me tonight at 5:30 that I needed to have my rental car in by 6:00 or they weren’t paying. Sorry I live in Seguin and the car was in San Marcos (for those of you who know Texas). And the lady just couldn’t understand my protests. They’re just not professional.
TW shouldn’t have to involve the FL dept of Ins! This is why insurance companies get sued, because adjusters are cheap with estimates. If they’d be decent, come out and look at the damage, talk with the flood adjuster on the phone, work something out, then no lawsuits would be filed. I happen to work in the insurance industry as an agent, and personally can say, after being an agent in southern Houston after TS Allison, that adjusters are subborn and thick headed. I’m not for frivious lawsuits, or lawsuits at all, but when adjusters act like this (and we all know they’re out there being like that), then sue away.
One day the lawsuits will decline, but it has to be an effort from both reform, AND insurance companies learning to not try and short change the insureds in time of need.
I live in Pensacola, my home and all its
contents were lost in Ivan. I had flood insurance and upgraded Hurricane insurance. I had flood and wind damage to a 5 yr old 3,400 Sf brick home. Flood came out and declared it a total loss, but said that there was obvious wind damage. The wind adjustor said it was all flood without even seeing. We sent a letter from a contractor to them stating the wind damage, along with pictures to make someone have to come out. Two months later we received the most absurdly low wind damage estimate from our adjustor.
We have called and requested another adjuster come out. It’s seems easy for you all to sit smugly at your computer and blame the victims here. I lived in Grande Lagoon subdivision we were particularly hard hit by the storm and we are all fighting the same battle with insurance companies wanting to declare it all flood. I never expected the insurance company to come in and do anything heroic or extraordinary as far as an offer but I did expect them to act like humans. I cant imagine how you can see a family lose everything they own and then try and give them the shaft.
TW…
Your situation is understandably tense and there is no easy answer to getting the flood and wind adjusters to work on the same page. The Florida Department of Financial Services should be able to assist you in getting the adjusters on the same page. You’d be suprised how cooperative they can be once the DFS is involved. Try them at FLDFS.COM and you should be able to get releif. It’s better than hiring an attorney. That’s the last resort.
Sure Mr. Bearman its all for the people isnt it?? Im sure you will be happy to do this all pro bono since you are looking out for your fellow man.
I’ve been in this business since 1971 and in Fla, even then, you had to buy windstorm coverage in certain areas from the pool (JUA) and flood coverage from NFIP (with a slight detour when the gov’t tried to get private carriers to cover it). When dealing with a 1-800 number, you get what you pay for. No advice and no personal service. Well, lawyers, especially ones with no morals or integrity will “feed” anywhere they can. Maybe the courts should make this lawyer (term used loosely) pay the defense costs for all carriers that win! Maybe we can learn one thing from the British, whose attorney’s must pay defense costs if they lose when their clients can’t. Wouldn’t that be a kick.
The people in Maryland are still trying to get a fair deal from the flood insurance companies.
It’s over 13 months and we are still fighting to reclaim our lives with Omaha Mutual flood ins.
Mr. Bearman would be welcome here because so many of us have been cheated and no one does anything but investigate. Many of us are still in trailers and temp housing. We paid for this coverage, and they are not paying us and we can’t believe the insurance people are not in jail. They cannot be human for what they are doing to all of us.
Shame on all of you!
The state of Maryland and Anne Arundel county have not helped us at all.
We all knew when the hurricanes hit Florida, that it was just the beginning of your nightmares.
Good luck to all of you.
Okay….. When do consumers/insureds plan to be responsible for their assets. It is so easy to blame the agent. I don’t deny that there are agents who dont present all the options to insureds but that really is a small number but here again when does the insured become responsible in protecting there assets. I know when I need to get my own changed in my car I dont wait for a mechanic to call me and if Im not sure I ask the question according. It is all common sense. We are here to serve the consumer/insureds but WE ARE NOT BABYSITTERS EITHER!!!!!
ALY W – I AGREE. UNFORTUNATELY, OUR SOCIETY SEEMS TO HAVE REACHED A POINT OF WHERE NO ONE IS RESPONSIBLE FOR THEIR OWN ACTIONS. THE TRAITS OF PERSONAL INTEGRITY AND CHARACTER, ETC ARE SORELY MISSING IN A LOT OF PEOPLE. I AM NOT A BIG FAN OF ATTORNEYS, BUT I DON’T THINK THEY ARE TOTALLY TO BLAME FOR THIS. WE AS A SOCIETY NEED TO GET BACK TO SOME BASIC FUNDAMENTALS OF SELF RELIANCE – IN THE BROADEST SENSE OF THE WORD.
JR. I couldnt have expressed it more beautifully. I believe in fairness and am an honest csr agent. I can sleep at night knowing that I at least offered some education in how to protect yourself and your hard worked assets. Some appreciate that but am shocked in how many are offended to be educated. I can only hope that people really begin to be more involved in what their purchasing and questioning what they dont understand.