If this is the worst thing that they do in life, you're blessed.



I had hired a guy to paint my house. Some JACKWAGON neighbor called him in for nor having a city license! WTF keep your nose in your own biz.

I had another JACKWAGON complain to me about another neighbor parking in front of my house.

Stupid SOB's son had his car in another one of the spots in front of my house!

Also had another time when I had a gazebo built to replace one that was 35 years old. Built to the same size,height etc. ONCE more here comes the city to charge $300 for a license for the contractor! WTF people mind your own biz if it's on my property. ( as long as It's no tat odd hours or something out of the norm )

POP,

In general yes. There are multiple factors involved for any of those scenarios and of course common snese on behalf of the homeowenr (Vash).

Lets say the tree comes down and takes out a piece of fence and does $600.00 in damage. You have a $500.00 deductble. Do you file a claim? I would advise my client no. It's not catostrophic. While the company would pay the $100.00 the record will show #1. you filed a claim and #2. the claim was frivolous.

Now if the tree comes down and lands on the house and does $10,000.00 in damage. I would advise file the claim. The company would pay the $9,500.00 for the damage. The record would show #1. you filed a claim and 2. the damage was substantial.

Some time later (Genrally with in a 2-3 yr period) we have a storm and some shingles blow off the roof. Theres $2,500.00in damage. Claim is filed and the carrier pays $2,000.00 The record will show #1. claim filed and #2. Damage was border line.

If a claim was filed in case 1 and 3 the insured is in jeopardy of cancellation for habitual/excessive claims and or frivilous claims.

If a claim was filed in case 2 and 3. there may be a rate increase but in all likely hood the policy would not be cancelled.

Addmitted carriers (allsate, StateFarm, Prudential, Farmers to name the large carriers there are many regional carriers as well) These companies must meet state requirements to cancel a policy for claims and to raise rates. They can not raise rates just because they want to. The state must approve the increase. So the answer is no they would not be able to cancel for the one claim. But if the reveals habitual claims and/or multiple frivilous claims filed within a given time frame (critera various by state and what was approved for the indivdual company by that state to cancel/ non renew an individual policy) the carrier has grounds to cancel.

Companies don't like being nickled and dimed to death. That will get you cancelled in a hurry. Legit claims even if large often will not have any negative effect.

None of that applies if the property is insured by an excess/surplus lines carrier (Lloyd's) then all bets are off and they can do as they please.

That's some quick answers. It is a little more indepth than that but you get the idea.

I though your request was reasonable... What's their problem?

hhahahha...the "tree trimmer" broke a window by dropping a branch thru it. still no fix on our fence, but whatever. i can do it if they delay a long time.

get this. they hired the tree guy to now build an illegal bathroom attachment to their home. the foundation isnt square. it is gonna be AWESOME!

Between trees and tunnel architects, your life is a regular soap opera.

The most exciting thing to happen to me lately is one of my young hens turned out to be a rooster.

charlie, was that you parked in the samtrans lot the other day? i saw some guy sitting in a VW 4x4 van thing. it had a truck-type bed.

Did you tell the rooster, yet?

Vash, Are you using this place to try out Soap Opera ideas?
Leave it to you to allways have some thing to ***** about or some emotional resque to cry over

That was me. I measure groundwater levels there once a month, at the end of the month. I'll be back Jan 31. Are you there every day? If you see me in my Tristar, come over and say hello.

I took the rooster back to the feed and fuel. The hens seems to miss him.