03-15-2024, 07:54 PM
Ombligo wrote:
I'm holding my breath for this coming storm season. The Gulf of Mexico and the Atlantic aren't bathtubs, they are spas. Add in a La Nina forming up and it could be very ugly.
Meanwhile, the state legislature made a bold step to save insurance, they made it essentially impossible for homeowners to sue them if they don't pay up.
Not just Florida. We had a hail storm in Minnesota. Our roof was damaged (our daughter's car was totalled 80 miles away). This was caught during an inspection to sell our house. Was clear.
State Farm did their best to wait us out, forcing us to eat the cost of the new roof while sending and then failing to send, over and over again, the claims adjuster.
We have been paying State Farm homeowner's insurance since 1998. This was our first claim.
In the end, I escalated and told them - if they will not even process the claim (which required me to pay them $1000 to do so!), we were moving off State Farm. Including our entire family's car insurance policies, too.
Took them 2 months, they made good. But if we had only been with them a few years, I doubt they would have.