Quote:
Originally Posted by drcoastline
As your agent I would have visited your house after each incident looked at the damage and had a discussion with you on how you wanted to proceed and my thoughts on how I thought you should proceed based on your situation. This is the balancing act. Yes it might be a covered loss but do we want to file the claim?
|
This is what I don't get about insurance. You're covered. Any major claim should be paid out. The client shouldn't have to wonder whether or not they should file the claim or pay out of pocket, because they're concerned what might happen to their policy or premiums. That's utter bull*****. The insurance industry makes their profit on gambling, in this case against mother nature, and last time I checked, they're making record profits (at least here in Canada). It's one thing to not write the policy because of a serious flaw in a house (as suggested, prone to flooding, poor sewer system, decrepit roof) but to write the policy then change your mind when you have to pay out a few times should be illegal, IMO. Rant over.