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Found buggy insurance
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<blockquote data-quote="whiskeymakin" data-source="post: 757360" data-attributes="member: 460"><p>And another issue with these slick ass insurance agents...</p><p>The will say its covered, but when the adjuster comes out, who is the guy that authorizes checks to be cut, and tells you otherwise....the agent/salesman has nothing to do with it.</p><p>Then if it is covered ive heard some bad stories on how to actually get your money back. Proof of purchase, date, estimated value etc...all hand written for every single piece. The adjuster can make you jump some major hoops if they want to. I was lucky and had an awesome guy to deal with. It was a wake up call, id hate to go through losing a house. Theres almost no way to ever recoup what you had. I still catch myself looking for stuff i had before but didnt get back from the whole fire ordeal.</p><p>Another gray area is lawnmowers.... pretty sure if you have a fancy commercial mower, you arent a business, just basic homeowner, its probably not covered. </p><p></p><p>If an agent tells you its covered, get it in writing along with pics and vin/serial # attached to back it up! I guarantee you they will be uncomfortable doing so.</p><p></p><p>*ridered you do understand what that agent is telling you is to basically lie on the paperwork and make up value to cover the juggy...</p><p>Thats a lot of b.s. to make up, trust me i know lol</p><p></p><p>*last edit...</p><p>The other hoop some cheap insurance companies use is the ol trick of making you buy all your stuff back that you lost, THEN, they reimburse you. </p><p>That to me is huge. Make sure you ask how the process works in the event you have a loss.</p><p></p><p>Next thing that happens when you increase insurance coverage, your lovely county tax assessor uses this info from insurance companies to judge what your property is worth. I upped mine after the fire and now i also pay more on property taxes</p></blockquote><p></p>
[QUOTE="whiskeymakin, post: 757360, member: 460"] And another issue with these slick ass insurance agents... The will say its covered, but when the adjuster comes out, who is the guy that authorizes checks to be cut, and tells you otherwise....the agent/salesman has nothing to do with it. Then if it is covered ive heard some bad stories on how to actually get your money back. Proof of purchase, date, estimated value etc...all hand written for every single piece. The adjuster can make you jump some major hoops if they want to. I was lucky and had an awesome guy to deal with. It was a wake up call, id hate to go through losing a house. Theres almost no way to ever recoup what you had. I still catch myself looking for stuff i had before but didnt get back from the whole fire ordeal. Another gray area is lawnmowers.... pretty sure if you have a fancy commercial mower, you arent a business, just basic homeowner, its probably not covered. If an agent tells you its covered, get it in writing along with pics and vin/serial # attached to back it up! I guarantee you they will be uncomfortable doing so. *ridered you do understand what that agent is telling you is to basically lie on the paperwork and make up value to cover the juggy... Thats a lot of b.s. to make up, trust me i know lol *last edit... The other hoop some cheap insurance companies use is the ol trick of making you buy all your stuff back that you lost, THEN, they reimburse you. That to me is huge. Make sure you ask how the process works in the event you have a loss. Next thing that happens when you increase insurance coverage, your lovely county tax assessor uses this info from insurance companies to judge what your property is worth. I upped mine after the fire and now i also pay more on property taxes [/QUOTE]
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