Posted On: April 21, 2006, 6:02 pm CDT

Posted By: Tony

Charles, it sounds like your adjuster wasn't too on the ball. I do work for a major insurance company, live in Louisiana and have worked the last three years worth of hurricanes. If you have a water line in your home (which everyone does, it is just a matter of looking for it) then anything below that line is not going to be covered. Every adjuster I know works his/her tail off to make people happy. We do our best to be fair, equitable and honest with our customers. Let me tell you something, we have a great deal of empathy for those people who are un/underinsured. The problem lies, in that it is NOT our responsibility to make you whole after a loss if you didn't pay for the coverage you needed. I can't tell you how many $400,000 homes I saw w/ $100,000 worth of coverage and no contents coverage. Do I feel bad for them? Yep, you bet I do. Is there a dang thing I can do about it? Nope! People think we have a choice in the matter and we don't. It is pretty well spelled out in your policy (as the judge above ruled) what is covered and what isn't. Just because YOU choose poor coverage or coverage w/ a fly by night company (not necessarily you, but in general), that does not make it our problem. We aren't sitting there with you when you decide on a 10% hurricane deductible instead of paying extra premium for a $500.00 hurricane deductible. Even if we had been, be a big boy and live w/ your decision. People have no idea how hard we work to try and help people. All everyone wants to do is whine and blame their own poor decisions on the insurance company or FEMA. You right, you may be a victim..........of YOUR OWN decisions.