Quote:
Originally Posted by afterburn 549
I was talking to Farmers today, in person. (on the phone).
I am in NYS.
Yes, I know my stuff damaged by me is not covered.
The BUT, BUT, they (she) did tell me trees are all grey area. (if they damage other peoples property )
I am leaving out a couple things, but I think the result is the same.
They are happy to take the money, unhappy to perform.
Being I own two places its hard to live in them both the same time albeit they are right next door to each other.
My first policy which runs out in May on the original house expires in May.
They have elected to cancel said policy on the most flimsy reasons.
The BIG ONE I don't live there.I live next door 100 feet away.
SOOoooo.
Now I have to start all over and find new company.
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Stuff damaged by you is covered. That is why I included you cutting down your tree with a chain saw. If it falls on your house, you are covered. Trees are not a gray area. It is covered. Google Farmers one of the worst for paying claims. What's their little thing at the end? Dumb, da Dumb, da Dumb?
First you can't live in two house at the same time. One is primary the other is secondary. So the house you live in your primary residence would have the HO-3 (homeowners) The other would not. That is why it is being non renewed. You may think it is a flimsy reason but it is a very valid reason. You don't live in it. The risk changes. Maybe a faulty outlet starts a fire at 2AM tonight while the wind is blowing. You live next door can't hear the fire alarm because of the wind blowing the trees. The house burns down. I will assume the utilities are on. Heat and water. Tonight's storm the wind again causes the power line to the house to break the heat goes off and the pipes freeze.
Happy to take your money and perform within the policy terms and limits. Not happy to pay for what they shouldn't or could be avoided.
What other things are you leaving out and what other flimsy reasons? Could be pertinent.