Yes Age Old, I would deny the lightning claim on the lodge if you knew that it had been hit by lightning but failed to report it for 5 months. You dont seem to get the fact that the entire country knew that we had 150+ mile per hour wind that blew thru here 4 times, I hope even you would think that there might be some damage, for God’s sake the news media had pictures of Florida all over the headlines and TV for weeks, do they not know how to read in Ohio or do they think their Florida home is better than everyone else’s here.
CLAIM DENIED and policy non renewed for failure to read your policy and abide by the simple provisions. How about you go ahead and report the claim and the insurance company wait 5 months to get an adjustor out to look at it, is that acceptable. Seems that is what is happening anyway, if you don’t report it for 5 months you cause more loss by your failure to live up to your end of the insurance contract. If you think I have compassion on any one just getting here and calling in a claim, think again. As dumb as society is (and trust me we have proof here that it is) I would like to know why anyone would think they did not have damage from a Cat 4 hurricane? From what I can see people think that somehow we should be responsible for a $10,000 claim that is now a $50,000 loss because they did not call us for 5 months. If a thief breaks a window in your house and you notice it when you pull in the drive way, would you wait 5 months to look thru your house to see what they took, or would you run to the jewelry box and gun safe to see if they were gone. If people are concerned about their investment (house in Florida) they should have a neighbor, family member, park manager or hell even the mailman check the frigging property to see if it is damaged. I have not had one person call in and say we just got back to Florida and our house is gone, it was there in May when we left, but something most have happened to it, has there been a hurricane around here. We had some people that did fly down the day after the storm just to check the property and God help me they wanted us to pay for the airline tickets, because they did not plan to come down until January, and they came down to protect the home from further damage. If people are really as dumb as you allow them to be, God help us.
Age old’s lodge would be covered for the lightning claim only if the insured did not have knowledge of the lightning strike. Seasonal homes have lightning strikes all the time in Florida and they are covered. Everyone in New York, and Ohio and Michigan and Canada knew that Florida got blown 4 times in 6 weeks, there is reason enough to make some effort to check on the condition of a Florida property. Responsible insureds foot the bill again for the slackers that don’t make a call to Florida to ask Alice if the house is still there. I despise irresponsible people that think they are owed something that they clearly dont care enough about to check on. I wonder how many Californians will wait 5 months to check and see if they were affected by the mudslides this week, or how many waited 5 months to see if their house was destroyed in the wildfires. I would not be able to control my laughter if that call came in, I want to report a house fire that happened 5 months ago. Grow up
Calm Down, John. This is one guy your responding to. He doesn’t have a clue. Age old SHOULD retire. But, I was speaking about the claims that are under paid because of adjusters in a big hurry to get to the next golden goose.
You never did respond to my last comment about the mold issues. I DO have a valid point about the issues around mold growing because the insureds not getting paid enough to even get a contractor interested in performing the repairs.
YOU get real!! Get the job done right the first time!! Mold is a serious issue!!
And all of the mold growing in FL is not the responsibility of the insureds. Hurry through it. Under pay it. You get what you deserve. End of story. Then we wonder why the carriers are considered the bad guys. It appears to me that it is a vicious cycle. The carriers hire adjusters without enough experience in estimating structural losses in hopes that they don’t have to pay what they really owe. Sounds like a plan from the start.
Insureds are not geniuses, but its easy for me and many others to figure out.
Don’t be shy. Speak up and let’s hear your angle on this scenario. You weren’t shy when it was easy pickens with the old guy.
Maybe I haven’t been paying a lot of attention these past weeks. Many distractions have taken a higher priority. But what is the status on the mold issues that have arisen supposedly because of underpaid claims and other reasons? Some of the insureds say they were underpayed and as a result, have not been able to find a contractor to take on the repairs to their homes. Any comments or responses??
Somehow I figured “Age Old” would show up here sooner or later, YES I am suggesting that people that have homes in Florida should make SOME attempt to determine that the beloved winter home that they hate so much, and pay so much for insurance on, is in fact still a structure after the storms. If it means flying their butts down here to do so, they have a contractual duty and responsibility based on the policy provisions to do so. If they gave the neighbor a key to check the home weekly it would help, but they don’t want the nosey pervert next door looking at their stuff. They did not have to come the day after the wind stopped, but 5 months is nothing more than lazy, careless, irresponsible, and cause for denial for some of them. We have had people this week call in with large claims, one had a large hole in the roof (6 foot wide open) 5 months of rain and exposure, and now excessive mold growth makes it less than livable and they want us to cover the loss put them in a fancy hotel, and get a builder to fix it by the weekend, if thats the way they do it up north, God bless’em but they don’t get many hurricanes in New York. you must do what ever is necessary to prevent further damage, this means cover the hole in the roof so water does not come in and cause mold. To get to Orlando agents comment, This is a valid comment about loss assessment claims, but the particular AP wire report stated that it was property damage claims, I do not know what the number is or if it did or did not include the loss assessment claims in the number. We are still seeing a ridiculous number of new property damage claims from snow birds, some do include stupid losses, like the ice cream melted in the freezer and now the freezer stinks. my answer is not taken well most of the time but it is, DONT KEEP ICE CREAM IN THE FREEZER WHEN YOU ARE GONE FOR 6 MONTHS, clean the freezer out. Stink is not a covered peril.
The hunting lodge comparison does not float, first off most people dont insure the shacks, and alot of carriers wont insure them because they are vacant 98% of the time, if it is in such condition that it would “Collapse” then it is uninsurable, and depending on WHY it collapsed it may not be covered if there was a policy in force. It is one thing if you are not aware of the collapse, but they have TV’s up north and they were well aware that we had 4 hurricanes in 6 weeks and that 1 out of 5 homes in Florida were affected. look at the path of the storms and you can see that Miami was not in the bulls eye this time, if your winter home is there you probably dont have much to worry about, if it is in Port Charlotte chances are, you used to own a house there.
You may not like Gov Jeb but I will take him any day over the other choice, the last thing we need is wacko PI Lawyer in the governor’s mansion. Its the CFO (insurance commissioner)you need to watch out for, he wants to be our next governor.
Mold does not happen because you were underpaid by your insurance company, it happens when moisture or water is ALLOWED to stay in an area, without proper air movement. Mold can easily be stopped if you take the time and energy to dry out the area and prevent it from getting wet again. I have had 5 total loss claims from mold prior to the hurricanes and God only knows how many from the storms. Of those 5 only 1 was a legitimate water claim that should have been covered, Ice maker line with a piss hole in it flowed for 4 months on the second floor of a house, the A/C unit ran out of freon in the middle of summer and circulated hot moist air thru the entire house and Boom, mold ala carte everywhere. The other 4 claims were bogus, but the scum suckers (attorneys)got envolved and the carriers had not received authorization from the state for mold limitation endorsements yet, so they paid and paid big. Some mold issues were not easily taken care of, with no electricity for long periods of time after the storms, but homes that had roofs blown off don’t need to worry about mold, they are total losses usually anyway. If people did not have mold when the adjustors came out, but developed mold after the settlement check was received and it was not what was expected, there is a problem with mitigation efforts.
I’m not naieve enough to believe that mold happens because of underpaid claims….Hello….But because of many of these claims being “expeditiously handled”, I have heard that many of the claims were, indeed, underpaid, and subsequently, repairs could not be started right away. Mold doesn’t take weeks to show up. It only takes a few days. Therefore, time is of the essence when it comes to MOLD and its dangerous effects on each individual. Effects can vary depending on the degree of exposure and allergic reaction of the individual. Making any sense to you guys out there that think that the average insured has the sense to mitigate their damages unless they are told how to do so by writing a message on a wall with a crayon? I know stupidity is not covered under the home owners policy. So don’t write me back to explain that. But when litigators get involved, somehow, stupidity turns into a covered cause of loss. So shouldn’t we take a little more time and handle these claims with more in mind than the money we can make if we become more “expeditious”?
Ok JOhn, the hunting lodge is a beautifully apointed upstate abode and it was hit by lightning, are you happy now? Or are you going to deny this claim as well??? Once again, the fact that it is seasonal is built into the rate.
You guys make me out to be the fool, but do I have to remind you that the companies ARE PAYING THE CLAIMS?
Also, just to make you guys happy, the next time there is a hurricane, I will call my agent in Florida and tell him that due to the storm, I may have a claim, but Im not sure of the damage so you better send out an adjuster.
Good idea Age Old. And will you accept the claim check and word of the adjuster for payment in full?
Bottom line is that a home is a big investment and people shouldn’t shirk their responsibilities. It doesn’t take much for the snowbird people to take a drive or flight down here, even in October, to inspect their damage. Further, my guess is that somehow, someone can check their home, such as the pest control company, property manager, even the condo commando. There is more to life than early bird specials!
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Yes Age Old, I would deny the lightning claim on the lodge if you knew that it had been hit by lightning but failed to report it for 5 months. You dont seem to get the fact that the entire country knew that we had 150+ mile per hour wind that blew thru here 4 times, I hope even you would think that there might be some damage, for God’s sake the news media had pictures of Florida all over the headlines and TV for weeks, do they not know how to read in Ohio or do they think their Florida home is better than everyone else’s here.
CLAIM DENIED and policy non renewed for failure to read your policy and abide by the simple provisions. How about you go ahead and report the claim and the insurance company wait 5 months to get an adjustor out to look at it, is that acceptable. Seems that is what is happening anyway, if you don’t report it for 5 months you cause more loss by your failure to live up to your end of the insurance contract. If you think I have compassion on any one just getting here and calling in a claim, think again. As dumb as society is (and trust me we have proof here that it is) I would like to know why anyone would think they did not have damage from a Cat 4 hurricane? From what I can see people think that somehow we should be responsible for a $10,000 claim that is now a $50,000 loss because they did not call us for 5 months. If a thief breaks a window in your house and you notice it when you pull in the drive way, would you wait 5 months to look thru your house to see what they took, or would you run to the jewelry box and gun safe to see if they were gone. If people are concerned about their investment (house in Florida) they should have a neighbor, family member, park manager or hell even the mailman check the frigging property to see if it is damaged. I have not had one person call in and say we just got back to Florida and our house is gone, it was there in May when we left, but something most have happened to it, has there been a hurricane around here. We had some people that did fly down the day after the storm just to check the property and God help me they wanted us to pay for the airline tickets, because they did not plan to come down until January, and they came down to protect the home from further damage. If people are really as dumb as you allow them to be, God help us.
Age old’s lodge would be covered for the lightning claim only if the insured did not have knowledge of the lightning strike. Seasonal homes have lightning strikes all the time in Florida and they are covered. Everyone in New York, and Ohio and Michigan and Canada knew that Florida got blown 4 times in 6 weeks, there is reason enough to make some effort to check on the condition of a Florida property. Responsible insureds foot the bill again for the slackers that don’t make a call to Florida to ask Alice if the house is still there. I despise irresponsible people that think they are owed something that they clearly dont care enough about to check on. I wonder how many Californians will wait 5 months to check and see if they were affected by the mudslides this week, or how many waited 5 months to see if their house was destroyed in the wildfires. I would not be able to control my laughter if that call came in, I want to report a house fire that happened 5 months ago. Grow up
Calm Down, John. This is one guy your responding to. He doesn’t have a clue. Age old SHOULD retire. But, I was speaking about the claims that are under paid because of adjusters in a big hurry to get to the next golden goose.
You never did respond to my last comment about the mold issues. I DO have a valid point about the issues around mold growing because the insureds not getting paid enough to even get a contractor interested in performing the repairs.
YOU get real!! Get the job done right the first time!! Mold is a serious issue!!
And all of the mold growing in FL is not the responsibility of the insureds. Hurry through it. Under pay it. You get what you deserve. End of story. Then we wonder why the carriers are considered the bad guys. It appears to me that it is a vicious cycle. The carriers hire adjusters without enough experience in estimating structural losses in hopes that they don’t have to pay what they really owe. Sounds like a plan from the start.
Insureds are not geniuses, but its easy for me and many others to figure out.
Don’t be shy. Speak up and let’s hear your angle on this scenario. You weren’t shy when it was easy pickens with the old guy.
Maybe I haven’t been paying a lot of attention these past weeks. Many distractions have taken a higher priority. But what is the status on the mold issues that have arisen supposedly because of underpaid claims and other reasons? Some of the insureds say they were underpayed and as a result, have not been able to find a contractor to take on the repairs to their homes. Any comments or responses??
Somehow I figured “Age Old” would show up here sooner or later, YES I am suggesting that people that have homes in Florida should make SOME attempt to determine that the beloved winter home that they hate so much, and pay so much for insurance on, is in fact still a structure after the storms. If it means flying their butts down here to do so, they have a contractual duty and responsibility based on the policy provisions to do so. If they gave the neighbor a key to check the home weekly it would help, but they don’t want the nosey pervert next door looking at their stuff. They did not have to come the day after the wind stopped, but 5 months is nothing more than lazy, careless, irresponsible, and cause for denial for some of them. We have had people this week call in with large claims, one had a large hole in the roof (6 foot wide open) 5 months of rain and exposure, and now excessive mold growth makes it less than livable and they want us to cover the loss put them in a fancy hotel, and get a builder to fix it by the weekend, if thats the way they do it up north, God bless’em but they don’t get many hurricanes in New York. you must do what ever is necessary to prevent further damage, this means cover the hole in the roof so water does not come in and cause mold. To get to Orlando agents comment, This is a valid comment about loss assessment claims, but the particular AP wire report stated that it was property damage claims, I do not know what the number is or if it did or did not include the loss assessment claims in the number. We are still seeing a ridiculous number of new property damage claims from snow birds, some do include stupid losses, like the ice cream melted in the freezer and now the freezer stinks. my answer is not taken well most of the time but it is, DONT KEEP ICE CREAM IN THE FREEZER WHEN YOU ARE GONE FOR 6 MONTHS, clean the freezer out. Stink is not a covered peril.
The hunting lodge comparison does not float, first off most people dont insure the shacks, and alot of carriers wont insure them because they are vacant 98% of the time, if it is in such condition that it would “Collapse” then it is uninsurable, and depending on WHY it collapsed it may not be covered if there was a policy in force. It is one thing if you are not aware of the collapse, but they have TV’s up north and they were well aware that we had 4 hurricanes in 6 weeks and that 1 out of 5 homes in Florida were affected. look at the path of the storms and you can see that Miami was not in the bulls eye this time, if your winter home is there you probably dont have much to worry about, if it is in Port Charlotte chances are, you used to own a house there.
You may not like Gov Jeb but I will take him any day over the other choice, the last thing we need is wacko PI Lawyer in the governor’s mansion. Its the CFO (insurance commissioner)you need to watch out for, he wants to be our next governor.
Mold does not happen because you were underpaid by your insurance company, it happens when moisture or water is ALLOWED to stay in an area, without proper air movement. Mold can easily be stopped if you take the time and energy to dry out the area and prevent it from getting wet again. I have had 5 total loss claims from mold prior to the hurricanes and God only knows how many from the storms. Of those 5 only 1 was a legitimate water claim that should have been covered, Ice maker line with a piss hole in it flowed for 4 months on the second floor of a house, the A/C unit ran out of freon in the middle of summer and circulated hot moist air thru the entire house and Boom, mold ala carte everywhere. The other 4 claims were bogus, but the scum suckers (attorneys)got envolved and the carriers had not received authorization from the state for mold limitation endorsements yet, so they paid and paid big. Some mold issues were not easily taken care of, with no electricity for long periods of time after the storms, but homes that had roofs blown off don’t need to worry about mold, they are total losses usually anyway. If people did not have mold when the adjustors came out, but developed mold after the settlement check was received and it was not what was expected, there is a problem with mitigation efforts.
I’m not naieve enough to believe that mold happens because of underpaid claims….Hello….But because of many of these claims being “expeditiously handled”, I have heard that many of the claims were, indeed, underpaid, and subsequently, repairs could not be started right away. Mold doesn’t take weeks to show up. It only takes a few days. Therefore, time is of the essence when it comes to MOLD and its dangerous effects on each individual. Effects can vary depending on the degree of exposure and allergic reaction of the individual. Making any sense to you guys out there that think that the average insured has the sense to mitigate their damages unless they are told how to do so by writing a message on a wall with a crayon? I know stupidity is not covered under the home owners policy. So don’t write me back to explain that. But when litigators get involved, somehow, stupidity turns into a covered cause of loss. So shouldn’t we take a little more time and handle these claims with more in mind than the money we can make if we become more “expeditious”?
Ok JOhn, the hunting lodge is a beautifully apointed upstate abode and it was hit by lightning, are you happy now? Or are you going to deny this claim as well??? Once again, the fact that it is seasonal is built into the rate.
You guys make me out to be the fool, but do I have to remind you that the companies ARE PAYING THE CLAIMS?
Also, just to make you guys happy, the next time there is a hurricane, I will call my agent in Florida and tell him that due to the storm, I may have a claim, but Im not sure of the damage so you better send out an adjuster.
Good idea Age Old. And will you accept the claim check and word of the adjuster for payment in full?
Bottom line is that a home is a big investment and people shouldn’t shirk their responsibilities. It doesn’t take much for the snowbird people to take a drive or flight down here, even in October, to inspect their damage. Further, my guess is that somehow, someone can check their home, such as the pest control company, property manager, even the condo commando. There is more to life than early bird specials!