Have you ever asked yourself what good home and car insurance are if you aren’t able to use it out of fear of increased premiums or that the insurance company may drop you entirely? What are we paying for?
Seriously, I know a lot of people, myself included, who have bought and are paying for home and car insurance who cannot or will not use it because of the insurance company’s policies. For example, charge as much as you can, pay out the least amount that you can and threaten them with dismissal if they put in more than one claim. People don’t use it. So, what do we all have it for?
Last year, for instance, we had water pipes burst. The damage done was extensive to us, including electronics that got water damaged, floors, ceilings and so much more. The insurance sent over a third party “adjustor” who likely had taken a weekend long course in adjusting, was hired by the insurance company and downplayed/downgraded the damages so greatly that we couldn’t even get a floor replaced for the money that he wanted to deem it at. Oh, you can bet that I went to a lawyer and it was found to be a crime.
In came the “emergency services” which we now know were underpaid, unskilled and paid for by the insurance company at the lowest rates possible. In other words, they were picked up off of the streets to work hard and not be paid properly. Why? We later found out that the ER companies that you’re stuck to because you are stressed right out, get quantity of work, not quality. They are out to make a buck out of sheer volume and will use the least expensive way to go as well as trades people who deserve more but, are either illegally in the country and hired at rock bottom prices, work stupid hours and long days and come to work even ill because they have so much pressure on them by both the restoration companies as well as the insurance companies who are as I’ve said, out to make a buck and keep as much of it as possible.
I don’t know about you but, I don’t come home and start drilling through walls or chipping away at them every week or night to check water and electrical wiring. Not many people do, if any. Why would anyone want to do that type of thing.
Never the less, we lost not only most of our electronic devices to the water that fell from the ceilings due to “depreciation” and couldn’t afford to have them replaced at today’s prices, (we’re including lamps, computers, cameras, tablets etc. here) but, the ER company didn’t seem to think beyond tearing things down and left us with a secondary set of damages which we reported to the insurance company promptly.
In turn, they sent over yet another company that didn’t do even moisture readings in the walls and therefore, they weren’t available to contractors that we’d chosen to give us written estimates. Low and behold, the prices were 10 times the amount that was offered to us. Let me tell you all that we don’t go with the most expensive contractors but, we also won’t go with the guy who gives the lowest price, working out of the back of his car or a “fly-by-nighter”. We even paid a plumber on our own, trying to minimize the damages before this “adjustor” came to look by installing shut off valves and use whatever we could find to clean up the flood of water that had engulfed a good portion of our home.
Do you want to know what the ER contractor did to rectify this matter? He sent over some “dehumidfiers” that blew air onto wet walls and bubbled paint.
This is where I lost it and screamed down the walls within the insurance company who finally sent an adjustor from the insurance company to our home and he allowed us to get our own estimates from private contractors, which we did. Would you believe that we ended up settling for half the amount that contractors wanted and paid the rest out of our pockets? Yes, that’s what we had to do.
In the Fall of last year, some nearly 11 months later, sewers backed up into our home, taking even more of our belongings. We had to pay an ER plumbing company to come by and deal with it. It took 2 days. He was hard working but, one could tell by his lack of English that he wasn’t here legally either. At least the sewers wouldn’t back up into our home any longer and that was thousands of dollars later.
Well, as if that wasn’t enough, on top of Covid-19 this year, we had our neighbour’s tree that was dead and decaying and we’d talked to him about it over 2 years ago now, fall into our backyard. Not only has it crushed our by-law fencing around the pool but, it landed in it and perhaps, has torn the liner. We aren’t sure but, the water has turned lovely colours and we can’t even remove the rain because trunks of the tree are blocking our way down to the pump and filter though the gate.
Back onto the phone where we were told that HIS insurance wasn’t going to cover the damages in our back yard nor, remove his tree even. What are we supposed to do with it all. We have no money for it all. In calling our insurance company and nearly 3 hours later, I found out that if we were to put through a claim, we could have a higher deductible (ie: some thousands more) or we could lose coverage entirely as they refuse to cover us completely and, they don’t have to pay early termination fees either. Scare, scare, scare. They’re good at that.
My next step is a lawyer for these companies and the neighbour doesn’t have the money for it all either. At the advice of his insurance company, let ours take care of it all. What?! How? Why should the neighbour’s tree, decaying dead and rotting, having fallen into our backyard, doing damages, be our responsibility? How can that be? We’re not even getting into inconveniences as well as the neighbour on the other side of us having had that tree affect him as well.
So, while I’ve given everyone the tip of the iceberg to these stories, we’re wondering a) where the money is going to come from to pay for these damages and his negligence and b) what good is insurance if we can’t use it. No one wants to put in a claim. No one likes to have to do it but, isn’t that what we pay insurance for doing when we need it? On top of that, we have Covid-19 concerns as well. So, where does the buck stop except in the pockets of those who benefit most?
From my little corner of life to yours, share your ideas, stories and don’t be afraid to try. What have you got to lose by trying? I’m not done but, this piece is for now. Updates to come as I know them to be but, please, if you’ve gone through this, write it down as a comment and perhaps, I’ll get a petition going. Add your name http://chng.it/6CNVzpxX as a signature.
Be well, stay well, best wishes,
Love and Light!