Once when I was a teenager I was between cars (we were very poor) so I
cancelled my insurance while mom was getting me around.
When I finally was able to get a car I went back to get insurance.
They wouldn't write the policy, said it was because I didn't have insurance.
Yes, defies logic.

I got a quote on my geico app just the other day, took 10 minutes.

Sending you a PM. Guys, I've tried to take a short reprieve from the site. Had a buddy send me a text about this post. If any of you need me, please shoot me an email at Brandon@mayerinsuranceservices.com or feel free to call me. I forward my office phone on nights and weekends to my cell to try to be available if you need me. Also, our website is being revamped so it’s down currently if you try to click up top.

Thanks!

My insurance company raised my premium when they found out I had a trampoline and a German Shepard. Got rid of the trampoline, they had to come out and verify it. They now deal with my wife, they don't like talking to me.

People have the screwiest understanding of insurance. What you're really saying is "take my money, don't ask me no questions, and don't look." That ain't how it works. The insurance company calls all the shots, they hold all the cards, because they assume ALL THE RISK. I love when people bow their chest and tell me they're gonna just change companies because they don't like something I tell them. I'm like, "LOL, call me back next month when they do the SAME THING!!!" If I lose 10 customers a month because of situations like this, I gain 11 from other companies for the exact same reasons.

It's easy to understand the same concept with auto insurance. Some drivers are higher risks, they get a higher price, some can't get insurance at all.....and the SAME is true for every type of insurance. Consider life insurance, a 50yr old 300 pound diabetic isn't gonna get the same policy or price as the 25yr old marathon runner. And they way y'all are acting about this house insurance thing is essentially like demanding that an insurance company ask no questions, and charge everybody the same price. Yeah, that's called Obamacare, how's that workin for ya???

I feel like a broken record, it's ALL statistics based. Missing railings, unfenced pools, aggressive dogs, old roofs, exposed wood on your eaves, all those kinds of things are higher risks. Don't get your panties wadded up when your insurance folks ask you to fix it, or else they won't give you insurance.

And yes, I understand that you often get a letter in the mail that seems like they've jumped to conclusions. I wish I had a solution for that, I don't. I'm just saying, stop bristling like they've talked bad about your mama. Quit taking it personally and emotionally. Your insurance company isn't being "mean" to you.

None of those issues are uncommon but most companies notify you of a problem and give you time to fix the issue before cancelling

My way of thinking would be to not be perceived as an ass and have 21 customers.

Standard deal, they usually send me a letter about the inspection though. I send them a picture back of the corrections.

Don’t know about AL but in FL carriers will reject an application or cancel your existing coverage for owning specific breeds of dog. When you sign your application you are answering under penalty of felony violation if you lie. Some have 5 or 6 while others go up to 9 breeds. The application asks if you own any of the following breeds and is a disqualification question. Your best bet is to go with Brandon and have an excellent agent who will support you.

Sent my son to Brandon and he hooked him up. I'll be with him the first chance I get to get away from State Farm.

Screw them, go with another company.

Wow, never thought about that. Pssssh, eye roll.... come do it for two weeks, you'll hate humanity.

Me: Hello, this is Jeff...
Cstmr: What's this #$%#@$@ letter you sent me?? Some @#$@# about my roof!!
Me: First of all, good morning, who is this?


It's like geez Louise, I'm sorry your dog died, and lay off the roid-rage how bout it!! Believe me, your agent and insurance company ain't the a--holes.

Then when you need the coverage you paid for they screw you up one side and down the other.

But there are lawyers for that and it’s usually so cut and dry they’ll do it for free if they don’t win. That’s usually a pretty good indicator you’ve been screwed.

Whatever you do get this issue resolved as quickly as you can.. you do not want your mortgage company forcing insurance on you. Had a similar issue where they said I had a wood burning stove on my back porch. I did not have anything remotely close to a stove out there so I’m not sure why it was they saw but they sent a letter canceled my insurance all about the same time my escrow analysis was going on. Well my mortgage company purchased insurance for me after this even tho I had already got the situation fixed with my insurance company and was reinstated. My mortgage went up by $400 because of this and I told them I wasn’t paying for their insurance. It took 7 months to get this fixed.

It’s pretty sorry the way these companies operate. Hate to hear anyone having issues with their home insurance like that. Been there done that and I lost that fight.

Freebird, I know your pain. Had similar situation myself a few years ago. No bad feelings towards anyone that works for an insurance company,but personally, I despise these companies. This is a free becoming a communist country & insurance is like a freight train pushing us as fast to it as the government. I don't even need to get started on it- just raises the BP. Contrary to what another post said on this subject, I can assure you that a damn insurance company does not call the shots here at my house. They may for some of you folks, but not here. Nuff said.

Hmmm...I haven't heard anything from him about crawfish.

Centauri canceled mine because the house was under construction, was 2000 sq ft smaller than the policy showed, considered not habitable and issues with the 40+ year old roof. I found this very interesting due to the fact my house was built in 96 and was half way across town from the one they actually inspected.

Then the inspector came back to the correct house and sent me a cancellation letter because my front porch was a 2” higher than the requirements for handrails. The way the house, porch was built makes it dang near impossible to have railings due to the Roman columns.

We found a company that would insure it if we added two rectangular flower pots at the ends of the porch as a physical barrier.

state farm will right you if you have any of the scary dogs. Unless they're trained attack dogs or if the dog has bit before. Think there's another one, think its all state but I'm not sure.

Most problems are not the insurance company's fault. Most of them can be lumped under the category of "a general public who has no idea what insurance is or how it works". And I'm not being a smart-alec, heck I wouldn't know either except I do it for a living. I work for a smaller insurance company in the grand scheme of things, but even we have a few hundred thousand clients, millions of policies, and tens of millions of transactions. "Stuff" happens, you cannot transact that much business and be absolutely pinpoint perfect with every detail of it. And again, we're a smallish "regional" company who's employees actually work for us (many national brands hire independent inspectors and adjusters who may live hours from you and know NOTHING about your specifics), our employees live in your communities, go to church with you, know you personally, and still we screw stuff up. No excuses, just an explanation. The scope of the business is exceedingly bigger than you understand.

I meet with clients every day, many who are aged adults who've had insurance their whole lives, and very few / if any know what any of the numbers mean, what is / isn't covered, and just in general have a very skewed idea about what insurance even is. Most have this mental picture of a maintenance plan that should cover any conceivable loss, regardless of fault or logic. The majority of people don't even know what a deductible is. Seriously, I'm not joking. Insurance policies are named peril typically (meaning they literally tell you it only covers the following causes of loss), but even the most comprehensive policies only cover "sudden and accidental physical damage". 99.999% of the things you think an insurance company is screwing you about is because what REALLY caused your loss wasn't listed as a covered peril, and/or wasn't sudden and accidental. And NO, NO, NO, NO, they don't purposefully write limitations into the policy to screw you, they write them into the policy because claimants constantly, constantly, constantly, try to file claims on "ambiguous" causes of loss. Most of the policy language comes from trying to be legally precise defining the named perils. Such as "rot". Rot isn't covered, how on earth can rot be "sudden and accidental"? Well, did your plumbing leak? Yes. Okay, was it a workmanship issue? (not covered, THAT'S the contractor's responsibility) Was it just because it got old? (that's normal wear and tear, it's not a maintenance policy) Was it because it froze and busted? Okay, THAT is covered. They are just trying to determine what was the original cause of loss, not trying to find any way possible NOT to pay it. It's a proper understanding of what insurance is and how it works. Insurance should frankly be "catastrophic", but we claim every problem that occurs no matter how big or small.

You cannot find a sympathetic jury to an insurance company, so your notion that lawsuits prove they were screwing you is preposterous. I'll try to make this short... Several years back a lady caused a wreck on I-65. She had "full coverage" on her car (I put that in quotes for a reason, I'll come back to it). She had liability limits of $25,000 / $50,000 / $25,000.....this means if she was at-fault in a wreck, her policy would cover up to $25,000 per person for medical injuries / not to exceed $50,000 for medical injuries total for that wreck / and then up to $25,000 for property damage. (incidentally, this is the state minimum requirements, and probably the most common limits people carry because they "want the cheapest thing I can get", and/or because it's what freakin' Progressive and GEICO quote so they can look cheaper than who you have now) She had comprehensive and collision coverage (this is the "full coverage" part) with $1,000 deductibles. (For what it's worth, this was with State Farm) I do not remember the exact details, but as the story goes she somehow caused a car hauler to overturn, some cars got over the concrete median into oncoming traffic, and they also knocked down some type of big digital scrolling marquee across the interstate. Um, approx. $3 million total damages including fatalities. 3 MILLION!!!!!, and she had $25K/$50K/$25K
So State Farm pays out the full limits of her policy, pats her on the butt and wishes her luck. She sues State Farm because she was told by her agent that she has FULL COVERAGE, (her words) meaning any wreck she has is fully covered!!!! Daheck??? You can't find a sympathetic jury to an insurance company, remember? They sided with her, State Farm was to pay $3MIL (not sure where the story went from there). It's just like liberals who hate rich folks. State Farm has BILLIONS of dollars, they should've practiced "good customer service" and paid that claim, right? Why?...because they were contractually in the wrong, or because the public views insurance companies the same way liberals view rich folks? That story, even if in an unusually grand way, illustrates what we deal with every, freakin, day, nonstop, but we're the bad guys.

Everybody knows insurance companies have their own money factory. Take em for everything they got.

-ambulance chasers