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Termyn8or -> My turn - insurance companies (2/16/2010 8:44:25 AM)
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I just got a notice that they are cancelling my house insurance as of March 19th. The reason is the sidewalk is uneven. I don't know if I screwed up, I told the agency to find me another company but my sister made the original deal and did not tell me that the agency was no longer indepenent. Oops but so what.
The problem here is what do they expect me to do, pour cement in 20 degree weather ? Are they crazy ? This is a typical case of their bullshit, what they want is to just collect premiums and never pay anything out in claims. It always was and is a never ending battle.
What's more I'll not be dictated to, so technically if the want to cover me for everything but personal injury liability I can deal with that, as long as they price it right. But shit, this is still ridiculous. I don't even shovel my sidewalk, making injuries an act of God when the snow flies. What's more tchnically the tree is causing the sidewalk problem and I think that should be considered an act of God.
You know what I might just do, turn the fucking tables real quick and put in a claim. See the main drain out to the street needs to be replaced this year. The tree roots has caused the collapse of the old clay pipes under the front yard.
Don't forget they are fucking with a terminator here. If they deny the claim because it is an act of God, then they sidewalk is an act of God. If they do not insure against acts of God then they have no basis to quit insuring me. This is defined under Ohio law as redlining and is illegal and highly sanctioned. And I know how to use the law.
So the insurance is in effect now. In writing I have their reason for cancellation which contradicts logic due to the fact that act of God are a clear exclusion in the contract. They are really fucking with the wrong dude here.
At this point in time I have a partial plan of action, and I would prefer not to go ininsured. But any pointers, advice or whatever ? In our merry little group here I am sure a few have had to tango with these people.
Thing is, if I make the move it must be before March 19th. I know they are in business to make money, but too much is too much.
Moreover I am not putting in a new sidewalk now even if I could because it will just get torn up to replace the drain/sewer pipe out front. Is it like I am required to be stupid here or something ?
This place is paid off and I could ride bareback if I want, that is no insurance. And really I am not going to go crying to them if someone hijacks one of my laptops or something out the front door. I like to have insurance because some things are bigger than me. Like a fire or something. Others put in a claim when their TV breaks claiming lightning hit the power line or some shit. I don't do that.
From what I understand from my sister there is another company who came in with slightly lowere limits and a higher deductible, like a grand. So what ? I am not going to bother them for a grand. But if I am going to have the same bullshit with them, why ?
Company in question now is Nationwide. I don't know who the other one was.
See how when you ask for anything they always want something ? I have to fix the sidewalk twice ? Bullshit. If they believe they can be subrogated by someone tripping on my sidewalk which is clearly an act of God, then the destruction of my drain is an act of God and therefore covered.
And all of you who think I am full of shit about the law and all that, I might just be able to come up with some court transcripts this time. Which is it, excluded or not ? If excluded I have been discriminated against. If not excluded I should get them to pay for about ten grand worth of work to fix the pipe. Or is it whatever they say goes at any given moment and written contracts mean nothing ?
You fucking bet I am going to find out.
Any little pieces of advice are welcome.
T
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