Posted On: March 21, 2006, 1:53 am CST

Posted By: Mrs. L. Beck

Does Dicky Scruggs scare you? Believe me, if he says he has the info, he has it!
As for getting your feelings hurt over his comments, well, if the shoe fits, wear it, you scumbag insurance executives and minions.
You don't believe your precious, treacerous lying industry could possibly do such wrong????
I talk to a lot of people around my home town on the MS. Gulf and all along the region. It IS amazing! Those that had flood insurance are being told their damage was from wind. Those that had wind coverage are being told it was all water. Even on houses that are so obliberated no one but eye witnesses (and there are very many) can attest as to what really destroyed the home, the 2 dispute over what caused the damage/loss. Those of us who pay a for a hurricane rider and have a hurricane deductable seem to have an uninterpretable wind storm exclusion hidden deep inside our legalese policies. Pray tell, what exactly is a hurricane but a big-butt wind storm???????? So what exactly is that extra hurricane deductable for if I have a wind storm exclusion???? After plodding through my sodden policy, I've come to the conclusion that basically I have been paying for nothing at all! Seems one part cancels out the other.
I challenge you to come see for yourself!
In MISSISSIPPI-you know, we actually got HIT by a hurricane and freak tidal wave, not just flooded like New Orleans because corrupt politicians allowed the levees to deteriorate over the last 30 years.
Talk to the PEOPLE ON THE GROUND-literally. You know, those still living in tents or cars, trying to fix $70K damage with less than $500, replace an $8,500 roof with the "insurance valued" price of $3,500, replace a $12,000 car with the meager $6,900 offered-again based on (what I am convinced of is) insurance-owned "independent adjusters" valuations, waste days of your life TRYING to get through to the good hands/ good neighbor/we're on your side folks who put you on hold so long, it automatically hangs up, locate insulation and sheetrock, reliable roofers... the list goes on and on.
If it were not for the multitude of VOLUNTEERS giving of their time, money and selves to help us, we would still be in Third World Nation condition. That's how long it is taking you folks to dole out the little $100 checks here and there.
Here we sit, 6 months later....while you still collect my premiums every month on an uninhabitable shell of a house and the 2 ratty cars I was able to buy with proceeds from my 5 fully insured and mostly paid for automobiles.
Did you have a nice vacation this year? Consider coming down here to give us a hand? Or did you sun on a tropical beach or ski on a pristine snow covered mountain instead...all paid for from the profits of our misery?
Geez, and you wonder why we bad mouth you?
Even Congressman Gene Taylor (D-Miss, 5th District) said there should be a national registry of Insurance Executives so we know who lives next door to us, just like we have a national registry of sex offenders.
The responsibility to fix this lies within the industry (Insurance) that has been bilking people forever to financially protect us from just such catastrophes. Not with the Federal Government (but thanks, FEMA, for the trailer anyway...even if it does leak and nothing works in it). Nor does it lie on the shoulders of the many who have burdened themseves with caring for us with their own time, money, and resources.
Dicky Scruggs and Volunteers, you are my heroes!!!!
(BTW-I am NOT a client of Mr. Scruggs, nor do I even know him or any of his employees or associates.)
Insurance folks....make sure those asbestos suits are in your caskets. You might be needing them in the hereafter!
God Bless You All!
ps- I read all the comments posted to date before leaving mine.
I would just like to clarify that I am a not your "typical, ignorant, uneducated, white trash Mississipian" as the media portays us all to be. I am a law-abiding, middle aged, professional heathcare provider, and have NO faith whatsoever in the insurance industry. If I could self-insure, I would. (Mortgage requirements, unfortunately, mandate I must carry insurance...for all the good THAT does!) I would have had more money to make repairs with now if I had just put those premiums in MY bank account instead of yours. And as soon as this house is paid for, that is exactly what I intend to do. We are already self-insuring the autos we own outright, except for state mandated minimum liability requirements.
I think you had all better take a long, hard look at yourselves and what you are doing. Is the greed and love of money really all that matters to you?
Or does doing the right thing even count anymore?
Signed,
Disillusioned in Bay St. Louis, MS