Posted On: February 25, 2007, 1:19 pm CST

Posted By: kim david

My home in New Orleans never flooded until Katrina. Class Action Suits against Army CORPS, accused of skimming money & materials resulting in the breach of the levee. The levee broke after Katrina left.
MS had 100X more damage than LA.
The wind blew the roof off the dome in LA.

Sure FEMA made mistakes and Michael Brown was the largest scape goat in history too.
HOWEVER, KATRINA HOMEOWNERS WERE PAID.
FEMA paid 100% of flood claims without trying to put the blame one wind.

State Farm denied Living Expenses by blaming all of the damage on water.

Other companies paid a portion of living expenses, they paid a percentage on wind.

When I called ANPAC to request living expenses, they said to mail copies of my receipts for food and rent and they would reimburse me. It took forever to get this together for them, I had to find 12 months of Statements for 2 Visa Credit Cards, copy them, highlight all food charges, add each page, total all charges, then mail it certified.
To prevent the old Lost in the Mail trick.

ANPAC sent a check for $8,000 out of $32,000.
When I called ANPAC, to question the 8,000 Amount, ANPAC SAID,
"We Cannot Pay For YouRRR FoodDDD" !!!
Arrogant & Insulting in spite of playing me as a fool.
I said, "YOU, were the one that told me to send you my food receipts", and I questioned why you would pay for food.
He said, You would have had to eat without Katrina".
I was furious & insulted to the point that I busted out crying, from the insult.
ANPAC said, we pay a percentage of what wind did and what water did.
I disputed that too, I said,
"Sir, my policy does not have percentages in it".

I did what they told me to do, then they treated me as if I were a low-life trying to get free food.
I asked about loss of income.
ANPAC said, we were not aware that your home was a duplex. I said, "read the Policy".
Still ANPAC refuses to pay $1.00 for rental income and only paid $8,000 out of $32,000.
I just hired a law firm and demand trial by jury; we will not accept a settlement, not even on the courhouse steps.

This is what made me realize that you should Never talk on the Phone with your Insurance Company or Mortgage Co.
You should put everything in writing. What they tell you on the phone is completely different from what they put in writing.
A bait and switch trick.
They buy time... while You are Gathering Evidence to provide to them, when the evidence is never good enough to get the claim paid anyway.

ANPAC said, based on the evidence we have gathered, we cannot pay any more wind claims and we will not pay any more living expenses.
I Responded with, I am sick & tired of providing you with evidence and now, I would like for you to provide me with the evidence that you have gathered to deny my claims.
I am forced into litigation. This is stressful and insult to injury.
We have to hire Lawyers in order to get
what we paid them for.
Is this America or the United States of Russia? Are we going to allow this on our own land?
This is a war, Inside America.
We, the people must come first!
This is what we're fighting for.

Jim Hood is a hero! How can you knock him? This man, one of the few men that ever stood up to the system.
He demanded justice for this act of piracy. I would like to see how much the Ins.Industry contributes to Hoods next campaign. I bet he'll get what we got.
He is fighting for the American People.
Like it or not, but the truth hurts.
Do you think this man would take a stand without enough evidence?

Jim Hood made history. The only elected official that rolled his sleeves up to fight the big boys...Sweet Baby Jesus...
and won too.
This is not what our men died for.
It's not about money anymore, it's about betraying Americans on American soil.
I am on the front line trying to fight
for what is right, and I am willing to fight to the end of my life because I believe in Justice for all.
I've nothing to hide. In fact, the only thing that I have left, is truth.

I came into this life with nothing and I will leave with nothing. Until then, I will try to make a difference and I will try to leave something behind. Somthing that may help others, after I am gone.
Knowledge is power and our children are the future, policyholders.
Can you explain to our children, why they did not have Santa in Christmas 2005?
Mommie & Daddy trusted State Farm. We paid them to financially protect our home.
We told our children that we were insured,
they could buy new toys. They were witness and victim too. It hurt to see them cry. We said, don't worry, you can buy more toys.
Then came the denial, we had to explain that too.
So, Our children never got toys for Christmas but a gift they got indeed.
It's called one of life's lessons, a gift they will never forget but will always remember State Farm. They have learned from their Parents Mistakes.
If you don't make changes now, you will not have a future. The Industry will deduct Agents commission before they loose a penny. In the end, they will eat their own. We must take a stand.