by imtryn4 » Wed Feb 11, 2009 02:09 pm
My insurance company sent a letter for non renewal of my policy.
Our area was hit by a major hail storm. It damaged our roof, siding and some windows. We did not dispute any of what they would pay for and not pay for.
My agent understands we have been long term customers. We have owned several properties and vehicles and have been loyal to this company.
Underwriting says we have not owned our current residence long enough and has sent a letter of nonrenewal.
My agent spoke with underwriting then underwriting suggested they would renew if I would agree to a $10,000 deductible.
Is this possible? Our area was claimed a natural disaster and this was out of my controll.
Our area was hit by a major hail storm. It damaged our roof, siding and some windows. We did not dispute any of what they would pay for and not pay for.
My agent understands we have been long term customers. We have owned several properties and vehicles and have been loyal to this company.
Underwriting says we have not owned our current residence long enough and has sent a letter of nonrenewal.
My agent spoke with underwriting then underwriting suggested they would renew if I would agree to a $10,000 deductible.
Is this possible? Our area was claimed a natural disaster and this was out of my controll.
Posted: Wed Feb 18, 2009 04:26 pm Post Subject:
Do they still have profit sharing? I was getting some decent dividend checks from my carrier for a while, not much the last few years. It sounds like there is some more belt tightening going on with some carriers, I am hearing some grumbling about some 401k changes from some field appraisers.
yeah, there's a lot of changes boy...and i think everyone's in a hiring freeze, raises nearly non-exsistant, but work three times as much...we all know the song.. :roll:Oh Dave, how I do not miss using the crash books! :shock: first computerized system i used was audatex, and they had a 'sheet' on each make/model...good night nurse, what a mess that was!
Posted: Wed Feb 18, 2009 06:25 pm Post Subject:
It seems like the new standard for field appraisers is a 10hr day. I hate to say it, but I think we may be starting to see some "burn out" even in some of the most balanced.
Everything okay with the ticker?
Posted: Wed Feb 18, 2009 06:51 pm Post Subject:
It seems like the new standard for field appraisers is a 10hr day. I hate to say it, but I think we may be starting to see some "burn out" even in some of the most balanced.
You mean the standard hasn't always been ten hours a day? I've been getting jipped! :wink: Yes, a lot of burn out...but in this economic mess. then add in age, just can't really let yourself 'think' about starting over somewhere else at this point...I just keep telling myself...11 more years, 11 more years...haha, if the next 11 go have as fast as the previous four (plus)...won't be too bad. seems that most of the bigger corps too have taken the open position of, 'well tough crap, there's the door, there's only about a million people that'd love to have your job'...unfortunately they're right.....you and I have seen the cycle many many times...i figure next boom, ought to hit (hopefully) a couple of years before I retire atleast...fortunately for me 'worlds greatest husband' saw trouble on the horizon and pulled us out of the market in march 08...so that saved us...we're too dag gum old to make up for the kind of losses we'd have incurred if he hadn't ... we ain't making much but we also ain't losin' a dime... :wink:Everything okay with the ticker?
yep they fixed me up got to come home friday...then next day got sick, (102 temp the works!)...i'm sure i caught some damn bug in the hosptial every nurse i came into contact with was sniffin' or sneezin' finally feeling half way human today...plan to go back to work monday...(yip-pee), trying real hard to develope a better 'balance'...with work...and gonna' have to give up these cigarettes soon too...(yes, i've got a plan "smoke haters" :roll: :wink: and NO my heart trouble has zero to do with cigs...frankly think that kinda ticked my cardiologist off alittle to have to tell me that! :lol: ) I've been seeing more changes in the claims/physical damage area of insurance in the past 12 months or so than i've seen in twenty years....gonna be bumpy for awhile i think.(ps thanks for asking dave)
Posted: Wed Feb 18, 2009 07:53 pm Post Subject:
I don't believe for one second that they can run off their experienced adjusters and hit the ground running, and I know that they know. LOL there is nothing like supervisors getting "reamed" ten times a day for things that you know are bs. IMO that's just how the corporate game is played. They say the same things to us, and there really are too many collision shops. Btw there was a little of a void here while you were gone. Others tried to step in and help, but it's not easy.
Sorry to hear about the flu, but it's great to hear that you are on the mend. My wife had some surgeries a while back and I think its really important not to push yourself too hard too fast.
The greatest husband in the world is smart! Waaay too many people lost their savings to the guys in the Armani suits. I had an old friend stop by the shop last week, and we talked a little about this stuff. She said her 87 year old dad got a funny feeling last spring and pulled all of his money out. She told him then that he was crazy and gave him a hard time about the penalties.
Posted: Wed Feb 18, 2009 08:20 pm Post Subject:
LOL there is nothing like supervisors getting "reamed" ten times a day for things that you know are bs
OR my personal favorite when a supervisor has to actual 'do the job'...oh how funny...i swear i think (know) some shops just wait on that day, the shops i'm in most of the time are shops i've worked with for 20 plus years, no issues...i always let them know when i'm going to be gone awhile...they just rub their hands together at the thought! :lol: :lol: I swear this one owner actually licks his lips! :lol:Btw there was a little of a void here while you were gone. Others tried to step in and help, but it's not easy.
ah thanks.Sorry to hear about the flu, but it's great to hear that you are on the mend. My wife had some surgeries a while back and I think its really important not to push yourself too hard too fast.
You're right, and a problem I've always had.... :roll: this old broad just don't heal near as quick as she used to ! :shock: Hope your bride recovered fully.The greatest husband in the world is smart! Waaay too many people lost their savings to the guys in the Armani suits. I had an old friend stop by the shop last week, and we talked a little about this stuff. She said her 87 year old dad got a funny feeling last spring and pulled all of his money out. She told him then that he was crazy and gave him a hard time about the penalties.
Husband did the math, and had he not pulled us when he did we would've lost well over 100k in about nine months! People told me I was nuts too when I locked up a bunch of my mom's money (step dad had passed away) in a fixed annuity rather than something that would 'make' more money...shoot fire....we were talking about nearly 1mil...there was no way I'd have been able to sleep...her money is safe, AND (IMO) she's still making a ton on it!Posted: Thu Feb 19, 2009 07:43 pm Post Subject:
Hope your bride recovered fully.
Oh yeah, she is fine. I tried to put up a picture of us on here, but it didn't work. I saw the ones posted in the "expert's corner" you look great, Gary has a serious mustache, and I never would have guessed that tcope looks like that. :D
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