Posts Tagged ‘property damage’

It Is Still a Scam

July 24, 2013


A couple of years ago our garden was massacred when a tornado blew through our little village. Several large trees lightened their respective loads by releasing a few rather large limbs, and they did absolutely no good landing on our tomato and squash plants. Another tree fell on our shed and demolished it.

Still, what we got was minor compared to the fellow across the street. The tree in his backyard was toppled into his house, giving his bathroom with a much better view of the outdoors but it sure put a crimp on the privacy of the little room.

Anyway, we called our insurance agent… and got a recording. So, we left a message and waited.

Within an hour, the insurance adjuster arrived. No, not the one from our insurance company, the one for the fellow across the road. After twenty minutes there, the adjuster left with an encouraging word to the homeowner.

About an hour after that, our insurance company called back. And when could we expect their adjuster?

“Why don’t you just email the pictures to me?”

So, we emailed the pictures from our digital camera and a verbal description of the damage.

Several stages of phone tag later, we got the agent back on the phone and she said to go ahead and get the place fixed up. Well, except for the shed… it was so old, she said, they would not pay for the replacement of it.

A couple of days later – after sending several of the bills to the insurance company (scanned by email, of course) – the agent called back and complained of the high prices. What high prices? It was pretty much the going rates for yard cleanup and such from a company we have used before.

Since the cost was so much higher than she had estimated – like, we were supposed to have read her mind or something, huh? – she said we were going to have to forego some of the repairs.

Great insurance company, huh? They promised that we were in good hands but I suppose that is only for their auto insurance.

The next month, are bill arrived and my wife was outraged: the insurance rates went up!!

She called the agent and got the explanation that the rates would be higher for a year so they could recoup the legally authorized 60% of the money they paid out.

I thought there had been a law passed against that very thing years ago but I guess our wonderful legislators allowed that one to lapse (translation: they sold out to the insurance companies) or something.

Anyway, after a little math, I figured out that after years of paying the insurance company and the subsequent cost of the repairs, I could have simply gone without the insurance and taken a small loan to hire someone to do the repairs and I would have come out ahead.

Any way you cut it, insurance is just another federally mandated scam.