\”\”If you on the other hand listen to the press, listen to the stories, listen to the people, who are getting in front of the microphones, it is a constant barrage of the criticism, of hyperbole, that seem to tell the story to the American people that almost no one has been paid, and that everyone is very dissatisfied.\”
What, what, what!?! You mean the media misrepresents, misreports, spins, exagerates, or otherwise fails to give the whole story? You mean they can actually make something worse than it really is? You mean they ignore good news to paint the most bleak picture possible? I\’m sure there\’s a lesson to be learned here about other news stories and current events.
So much hostility… wow! Can\’t we all just get along… here: a couple rules and we\’ll live happier:
1) Republicans AND Democrats are trying to get re-elected and not lose the cushy job they have manipulating the US.
2) Katrina\’s aftermath was mishandled (The Democrat govenor and mayor failed the citizens of LA and the Republican congress and president failed the US – although there wasn\’t much they could do since they weren\’t asked to help, until too late).
3) Some foriegn aid was turned away following Katrina, often this was because it was from nations we were not willing, politically, to deal with or because it was aid that would have spoiled in transit or storage.
4) Some insurance companies horribly mishandled the aftermath of Katrina. Not that they blatantly attempted to screw policyholders (although some may have) but many policyholders are attempting to blame anyone they can for their own negligence in obtaining appropriate insurance when you live below sea level in a hurricane prone area.
5) The media\’s job is ratings, not reporting. What sells, runs.
6) We\’re not all shills for a particular company. We all have valid points (for the most part) but some choose to be more easily sucked into conspiracy theories, company bashing, or political party bashing.
Let\’s move on… don\’t build below sea level in an area prone to hurricanes, if you do, get the RIGHT insurance. If it happens again, stop complaining when a company makes a business decision to raise rates or stop writing there… MOVE! Take some personal responsibility… the government\’s job is not to be there to bail you out or protect you from your own ignorance. Stop making the country bail you out because of how you CHOOSE to live. Along those lines, insurance companies: pay what you\’re supposed to pay.
If the claims not yet settled would not have been INTENTIONALY MISREPRESENTED by the carriers, this would all be over. Had they gone in and paid for roofs, decking, some framing, ceilings, etc (about 20-35% of limits) this would never be happening. The carriers would have saved the bad press and tens, if not hundreds, of millions of dollars.
In all fairness I think you\’re also exaggerating. Many carriers did do the right thing and have not been named in suits, some even assisted Disaster Recovery teams and lent invaluable support in terms of manpower and material.
The problem is that noone reads insurance contracts, flood exlusions were not understood, defining storm surge vs flood had never been tested in as large an area, people never thought they\’d experience this (mainly becuase they ignored warnings, tests, models that were prepared by the federal government).
Sure, some insurance companies mishandled Katrina claims; some were overwhelmed by the scope of the disaster, some may have made an effort to screw as many customers as they could. But I don\’t think it\’s fair to say P&C companies are all at fault nor do I place all the blame on them for applying their interpretation of a contract.
Find me 1000 home&auto owners and I\’ll show you 995 people who have no idea what kind of insurance they have, what limits they cary, what feature would pay in event of a particular claim, etc.
Working in the industry, I\’m tired of asking people what liability limits they have presently only to hear \”I have full coverage\” or \”Umm… it\’s a $500 deductable\”.
First off, the 98% stat is misleading. Bob Hartwig admitted in testimony that if the insurer said all the damage is excluded, that case is not counted as a claim at all, so it it not reflected in the stats. Those cases are in addition to the 2-5 % where the insurer acknowledges a claim but the amount is in dispute. Also of course, 98% not in court is not the same thing as 98% satisfied. Plenty of people did not sue but are not happy.
The percentage settled is an irrelevant stat anyway. There were hundreds of thousands of claims inland far beyond any surge flooding. No one ever said there was a problem with those. The problem was how State Farm and Allstate could pay hundreds of thousands of wind claims up to 150 miles inland and then claim that the winds on the coast were not strong enough to have caused damage before and during the surge. Homes that survived with a definite waterline got wind coverage for damage above the line, but homes that were destroyed got no wind payment from SF or Allstate. The insurer has the burden to proof to exclude. If the insurer can prove that all the damage was caused by flooding, then it should be excluded. If the insurer cannot prove that flooding caused all the damage, then it should not excluded.
I settled. Settled because Allstate threaten take this or nothing. I had flood insurance and homeowners insurance. I will be paying for a second mortgage for years now. I am settled but sure not satisfied.
This is all political driven. There is one polical party in our society that takes political advantage of whatever they can as that is the only way they can hope of winning. In this past, this party used to cater to the politics of race, but when people figured that out, they have to move on to finding other people to take advantage of. People in the Katrina damaged area and beyond have made out like bandits. In other words, their votes have been purchased by this very fraudulent party. Beware of who these policians are and tell them once and for all, quit these games, we have had it you!
It is unfortunate for you, Mary B, that you have not a clue. Brian, Good post. The truth hurts the feelings of the apologist – non insurance people here. The clerical staff of State Farm has been instructed to defend State Farm to the death here at IJ andother internet sites where the truth is being told.
The liberal media will do anything to slander insurance companies as to help advance their liberal agenda. Since when has Rush Limbaugh slandered insurance companies? You tell me?
In Katrina, I lost a secondary home and it\’s contents, a boat and two friends. Many clients lost much more.
We don\’t have any mad clients, however.
Claims weren\’t handled as soon as people liked but I live 70 miles from New Orleans and had two Allstate adjusters stay with me a week ( I don\’t even represent Allstate). They\’d drive the 70 miles to New Orleans every day \’cause there were no other places to stay in N. O.
With just a slab left, how can one say what was done by wind prior to the waves (or wall of water) taking all the building down in some FIVE MINUTES from no flood to inundating water rising way above the roofs? Only God knows but I think, after looking first hand at much damage, that wind would leave alot to examine where water takes all. Hard to explain unless you were there. Kinda like telling someone who has none how it is to raise kids.
Sounds like alot of posters slept in a Holiday Inn Express last night.(and some need to)
Brian- I understand what you are saying, and I agree with most of it, but I would like to point out one thing.
You, yourself, pointed out that in cases where there was even a partial house left that the major carriers paid.
You also agree that away from possible flooding losses wind claims were paid.
However, claims close to the ocean weren\’t paid.
Some of those denials of coverage are probably fraud, just based on the law of averages.
However, many of them are due to a single exclusion in the policy.
You know- the one that said that if the home was destroyed by flood the policy wouldn\’t pay for the wind damage?
So… claims close to the sea where some house was left standing with evidence of both wind and water damage were paid. Claims far away from the sea damaged by wind were paid. Claims close to the sea with no home left for evidence are under dispute.
Even if (using your reasoning) the number of open claims is 10 or 15 percent, it would still appear that the vast majority of insureds got some sort of recompense.
Was their fraud?
Probably.
Is every denied claim a fraud case?
Probably not.
Should we imprison every insurance exec and turn over risk management to the people who administer medicare?
Katrinafying Kansas
By INVESTOR\’S BUSINESS DAILY | Posted Wednesday, May 09, 2007 4:20 PM PT
Leadership: Democrats are starting to blame the federal government every time their governors get caught unprepared for natural disasters. Nowhere is that more blatant than in the Greensburg tornado aftermath.
Louisiana Gov. Kathleen Blanco blamed the feds after the 2005 hurricane that devastated New Orleans. Now Kansas\’ Gov. Kathleen Sebelius is doing the same.
It\’s become a pattern: Democrats blaming President Bush for their own lack of disaster preparedness. Like Blanco in Katrina, Sebelius claims the federal response to the May 6 tornado that leveled the town of Greensburg was slow. She blames Bush\’s deployment of Kansas National Guardsmen in Iraq.
The president and his latest critic.
\”States all over the country are not only missing personnel,\” she told CNN, \”they don\’t have the equipment they need to come in. And it will just make it that much slower.\”
Fact is, she had 4,500 guard troops on call for this town of 1,600 if she needed them. She also had offers of help from other states for any resources Kansas asked for.
More than that, Kansas itself is full of resources — like farm equipment, along with private companies and citizen volunteers that can use them as effectively as any military equipment to clean up.
Worse, after Sebelius\’ loud complaints, it turned out she hadn\’t even asked the Federal Emergency Management Agency for help.
\”If you don\’t request it,\” White House Spokesman Tony Snow noted, \”you\’re not going to get it.\” That, by the way, is the law.
What Sebelius was really doing was resurrecting the bogus 2005 Katrina-era myth of an unresponsive federal government shunning a helpless disaster-struck community for no good reason.
Sebelius isn\’t alone. Democratic presidential candidate Barack Obama on Wednesday decried the 10,000 Greensburg tornado deaths. There were in fact 12 people killed. Never mind. An aide later called it a slip of the tongue, but the similarity to wildly overblown death estimates in New Orleans was unmistakable.
Why were so few people killed in a tornado that destroyed 90% of the town? Unlike New Orleans, Greensburg\’s 1,500 self-reliant residents used their 20-minute warning to find shelter.
That\’s why it is they who see though Sebelius\’ bid to blame Bush.
\”The \’poor response\’ thing is just B.S.\” a disgusted Greensburg resident, Mike Swigart, told WCBS TV. He cited a swift National Guard response, and fellow farmers who rushed in to help.
Nor were the Kansas residents clamoring for aid. Self-reliance, it seems, is an antidote to political opportunism from demagogues who would turn everyone into a victim. These Kansans knew hay from political hay. Maybe it\’s time Sebelius did, too.
You are right about adjusterjoe. We need him as counter balance to rational dialogue. If we did not have his insane rantings we would not appreciate sane postings as much. You have to have bad before you can appreciate good.
Perhaps you took me seriously. Although it would be great if joe stopped posting…
I never said he couldn\’t voice his opinion. I merely requested that he stop posting.
I never said HE couldn\’t post, only that he shouldn\’t(or I wish he wouldn\’t).
Please don\’t manipulate my words.
P.S. Seems as if your post was a little excited and defensive!
Hello – This is totally unrelated to the topic, but I thought it would be a good place to ask this question.
I\’m looking for software that will map sales by state and by product. Does anyone here currently use something like that and have a preference for product?
These people are pathetic, Sebelius actually blamed the lack of response due to her national guards being in Iraq. The truth is, there was so Kansas national guards in Iraq, zero! Sadly, this is the only way the democrats can win, by taking advantage of a disaster. How often does the GOP pull this kind of crap? Never! Their party needs to buy votes from people who think they can fool. First it started with minorities and immigrants, but most people in these groups are too sophisticated for fall trap to the democrat games. Whatever it takes to buy a vote, they will do it. Forget innocent until proven guilty, their motto is \”if you mean votes to us, then we will do what it takes to buy your votes and your opposing side will be found guilty regardless.\”
Unlike the Clients that were told they were in Good Hands or had Good Neighbors, The Advertising Industry at least shows some decency to their clients.
They don\’t treat their Clients like the Insurance Industry. threats their clients.
Media don\’t want to expose them because that would hit their homes.
The Advertising Industry & Media has Loyalty to their Clients and that is something that the Insurance Industry is allergic too.
You\’re kidding, right? Since when do politicians NOT point fingers at the opposition just to misdirect attention? As you say…Never! Get you head out of the sand (no pun intended) and do what you can to make this a better place.
is sad that so many here have so little knowledge of the insurance industry and claim to be in it. No one has refuted what I have posted so they attack me personally. Sorry you do not like or respect the truth. Too bad, maybe one day you will take the time learn the insurance business. It is really a fancinating and rewarding industry.
Fancinating and rewarding to take money for people & screw them out of what they needed, when they needed it.
Please…You are a Typical Male Pig!
You too will have to answer one day
Whatever you do, comes back to you.
No one escapes that. In time.
To Lady in waiting:
I would never want to self defeat by saying something like \”you are a typical female witch.\” Just imagine what a factless, baseless statement would do to advance my cause? Nothing, it would only hurt it! I am sure you are intelligent enough to debate me on the issues, but why would you tell the world that you lack intelligence? What you said is something a loser would say, don\’t you agree? Don\’t tell me this is the way you usually debate, is it?
Duh, you claim to be highly intelligent but you don\’t even know how to leave a feedback.
I agree: Adjuster Joe You Gotta Go!
You are not as smart as you want to be.
Laugh Out Loud!
Seems the Policyholders are learning to play the Insurance game.
They made the rules;
If I wanted to defraud my Insurance Company, the only thing that is covered is fire.
I was thinking it didn\’t seem like something you would post. I hadn\’t had my morning caffeine by then though.
The person did capitalize an excessive amount of words. Usually Melanie does that but not a whole sentence full. I think we can eliminate her and Kim David (since I think they are one and the same).
Hmm… let me think on this and get back to you. In the meantime, have a good day. :) (And be flattered that someone wishes they were you!)
why are you wasting your time posting to this mess. your rationale and explanation shows a person too far above us in intelligence and understanding to even be a part of this discussion. if everyone read and listened to what you said we could easily move on to something truly challenging. i have printed and will show your posting to my children so they can see what a intelligent, thoughtful response to a problem should be. i truly hope you will continue writing and showing your wisdom with us.
True some companies insure quite a lot. You\’re in the industry but appear not to respect the need to advertise to get volume. Volume is what enables large carriers to become large carrier AND be there for their insureds. Most are 99.9% of the time. And then some small carriers rarely if ever advertise and certainly don\’t have the money to advertise on TV. AMICA comes to mind. I had Allstate for 20 years until I moved to a state where they don\’t write. They\’ve paid numerous claims – two auto and three homeowners. They were there when I needed them. People seem to have unrealistic expectations or don\’t understand what humans – adjusters included – were up against with Katrina. There were homes adjusters couldn\’t get to. In Kansas, there are homes that don\’t exist any longer. We actually hunted our insureds down at shelters to give them money for the short term. That never makes the news and it won\’t because it\’s what we do in the industry all of the time. When an adjuster screws up – and as a human being they will – it\’s attributed to an industry wide ill instead of a human error. They sue before they speak to a supervisor or a manager. Sad world we live in sometimes.
Hey adjusterjoe…while I may not always agree with you, it\’s nice to have a differing opinion from time to time….it\’s what keeps my brain working! Unlike others, i\’m not afraid of a challenge.
And, it\’s a free site, post away my friend, post away. :)
\”Unlike others, i\’m not afraid of a challenge.\”-Courtney
There\’s a difference between a challenge and a lost cause. I am not afraid of a challenge. I am sure most people on this board are not afraid as well. That being said…
It\’s hard to debate with a monkey. If fakeadjusterjoe could follow from A to Z, that would help out a lot. But anyway…
Anon, I live in NE FL and I agree; you have to ready to pay the insurance that is commensurate with the risk associated with the place where you live. Currently, they\’re encouraging building in the St. Louis plains. Do they understand that they are subject to flooding if they\’re levees break? Do they want to pay the true cost to live there? Lott lived on the beach butt didn\’t want to pay the true cost to insure it for flooding.
I disagree about the Feds not being invited in until too late. The Feds and FEMA were watching the situation and could have taken control at any time. Also, do we wait to be invited to other disasters around the world? No. We see they\’re in need and we go to their rescue. We get around the world faster than we got to New Orleans. Let\’s not point to who is to blame or their party affliation because I really don\’t care. As an independent, I believe everyone is equally responsible – residents, Dems., Reps. Do we need to rebuild? What are the alternatives? With the high unemployment, it seemed to be a place where a lot of folks would have been better off leaving. Too much money has been wasted there already in an all or nothing plan. I hate to be trite but we should be thinking outside of the box for a solution on this one and rebuilding in the same location for lots of folks may not be the right answer.
An Understatement, because it\’s easier to beat a casino than get a fair deal with any insurance company.
Stop reversing the blame & admit the Industry is consumed with Bandits!
Liar, Liar, Pants on Fire!
Fraud is rampant in the insurance industry. Just as we pay for it when someone steals from a storefront, we pay higher premiums because of everyone who fakes an injury or the extent of their injury or sets their house on fire because the markets bad and they can\’t sell if for what they owe the mortgage company. Happens often but not all of the time. The vast majority of people in the industry are honest and the training is always about finding coverage based upon the policy language. It is a contract. One that your state negotiates heavily for you (if they don\’t write it).
FL Resident-
adjusterjoe won\’t like that video because it speaks FOR the insurance companies, instead of against them.
I prefer for the right thing to be done, no matter who has to pay. Of course, joe just says I am an apologist because I won\’t condemn any insurance company without knowing the facts. Same goes for an insured. But, he is narrow minded as many others have pointed out.
P.S. RAL- I am not afraid of a challenge. Did you read the post where I said there is a difference between a challenge and a lost cause? I didn\’t think so. I do not consider you any type of challenge. :)
Oh and yes, this is a name calling website. Haven\’t you noticed most people resort to name calling on here? Even your sweetie pie fakeadjusterjoe. I think you\’re being unfair- wah wah!
Like one in a million may put the torch to a home to collect insurance money,
yet every policy holder is defrauded by this Industry.
It would be fair to say, they don\’t like the taste of their own medicine.
I did think about rewriting the book,
The Real Mississippi Burning.
Thought about burning everyones\’s house except my own because I never wanted to seem greedy, I just wanted justice for being denied with my first claim in 20 years. It made me more angry when I saw My Neighbors suffering the consequences.
I am a law abiding citizen and I would never do anything like that but the thought did enter my mind.
We laughed and said, Lets Do a Real Mississippi Burning and see if they pay for fire?
Guess What, homes that were torched, were denied too, said they were already destroyed from Katrina.
Statement of Alex Soto
Senate Committee on Governmental Affairs
\”Oversight Hearing on Insurance Brokerage Practices, Including Potential Conflicts of Interest and the Adequacy of the Current Regulatory Framework\”
November, 16 2004
Good morning Chairman Fitzgerald, Ranking Member Akaka, and Members of the Subcommittee. My name is Alex Soto, and I am pleased to be here today on behalf of the Independent Insurance Agents & Brokers of America (IIABA) and to provide my association’s perspective on broker compensation issues that are the focus of this hearing. I am an officer of the IIABA and have served on our national association’s Executive Committee for over three years. I am also President of InSource, Inc., a Miami-based independent agency that offers a broad array of insurance products to consumers and commercial clients in South Florida and beyond.
IIABA is the nation’s oldest and largest trade association of independent insurance agents and brokers, and we represent a nationwide network of more than 300,000 agents, brokers, and employees. IIABA represents independent insurance agents and brokers who present consumers with a choice of policy options from a variety of different insurance companies. These small, medium, and large businesses offer all lines of insurance — property, casualty, life, health, employee benefit plans, and retirement products.
IIABA’s Reaction to the Marsh Investigation
IIABA condemns in the strongest possible terms bid-rigging, marketplace manipulation, and other anti-competitive conduct, and we are outraged by those who have engaged in illegal practices and tarnished the image of our great industry in the process. We applaud the efforts of state insurance regulators, attorneys general, and other law enforcement officials to swiftly identify and bring to justice anyone proven guilty of these unlawful activities. No system of regulation and oversight will ever prevent all determined bad actors from breaking the laws of the land, but we are extremely pleased state officials are acting aggressively and in a coordinated manner to restore the public’s trust in the insurance industry. It is our hope that all individuals who have engaged in this conduct will be punished to the fullest extent of the law. ( Okay good go after State Farm)
Typical, double talking, BS.
Smells like ENRON, but worst than one Co.
Someone needs to stand up for Homeowners or they will continue to do this, because they can.
I say, stop allowing Campaign Contributions for Insurance Commissioners.
No need to bid rig because the Industry has found loopholes for any claim.
A Policy, without Coverage.
How long have you worked in insurance
I have been in the industry 25 years
and people try to get things paid for
\”fraud\” on a regular basis. The industry
gave new roofs, gutters, air conditioners to everyone in Jo Co in 1992/1993 and insureds thought it was a big joke. We got a brand new…. we needed one anyway.
Yes they spill BLEACH on their carpet to get new carpet….on and on and on
give me a break, I wish everyone was honest and trustworthy but my ears and eyes tell me the real story.
Attorney General: CT Attorney General Joins 48 States and DC in $40 Million Settlement With State Farm For Damages …
CT Attorney General Joins 48 States and DC in $40 Million Settlement With State Farm For Damages Vehicle Titles Abstract: Attorney General Richard Blumenthal today joined officials from 48 other states and the District of Columbia in announcing a $40 million settlement with State Farm Mutual Insurance Company to compensate consumers who … http://www.ct.gov/ag/cwp/view.asp?A=1949&Q=290002 – 21.7KB 38%
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17 May 07
I have worked in the insurance industry for over 25 years and I have seen insurance companies swindle many, many insureds out of proper settlements. So it works both ways!
I see unemployedjoe has made it to this board and spewing lies about State Farm folks being instructed to \’defend to the death\’. Clown, how many times do I have to call you out as a liar about this non-exisistent memo you refer to before I hear anything but dead silence from you? And I have some good advice for you, you are an independent adjuster. Again I say an independent adjuster. This does not make you all knowing of all companies practices so shut up.
Dear Jewel , of State Farm. Do not depend on your own understanding.Don,t be impressed with your own wisdom. I do hope this is not the best part of you. Please do not be so foolish. Putting confidence in evildoers and envy in people who care . P.S .I no not live in Mississippi. Jewel go back and read Kim David Story I hope it will open your heart.
I don\’t work for State Farm. Where do you nut jobs get your information? Stop making up things in your little minds and pay attention to what has actually been posted.
You and your other personalities (Melanie, Kim David) need to stop with your insane rants.
Lawsuit Claims Paralysis Caused by Denial of Claim
West News • May 15, 2007
A 39-year-old Washington woman paralyzed from injuries caused in a car crash sued her insurer for denying coverage for surgery doctors agree could have prevented her paralysis. Tara Sadler, a …
Back to article
Insurance Journal is not responsible for the content of the message below.
Subject: RE: RE: RE: : No PAY
Posted On: May 15, 2007, 7:26 pm CDT
Posted By: KJEW
Comment:
It is the position of State Farm that the hurricane actually improved this kitchen. We should be charging the homeowner for improvements, not paying him for damages.
*******
This house died of old age. Not covered.
*******
I doubt there was even a house here to begin with. Investigate \”homeowner\” for insurance fraud.
*******
It appears that some rogue appliances pushed a car into this house. I\’m absolutely sure that the policy doesn\’t cover damage from cars being pushed by rogue appliances.
*******
OK, if the car ran into the house, then it\’s covered. But it looks to me like this happened the other way around.
*******
If you look closely, you\’ll see that it\’s the porch that\’s damaged, not the house itself. We sell homeowner\’s insurance, not porchowner\’s insurance.
*******
This house just quit. It doesn\’t look like it made even the slightest effort to weather the storm. We don\’t cover quitters.
Subject Posted By Posted On
RE: RE: State Farm is ROTTEN TO THE CORE
Subject
State Farm Insurance supervisors systematically demanded that Hurricane Katrina damage reports be buried or replaced or changed so that the company would not have to pay policyholders\’ claims in Mississippi, two State Farm insiders tell ABC News.
fraud committed by insurance companies is even more reprehensible than policyholder and claimant fraud. Insurance companies and agents are licensed by the state. They have a fiduciary duty to policyholders and claimants. They proclaim they are subject to the highest ethical standards. But they are often as dishonest and fraudulent as some of their often denounced policyholders. So they are often both frauds and hypocrites.
Consider how easy it is to commit insurance fraud. Even insurance textbooks admit that policies are unread and unreadable. According to Vaughan and Vaughan, Fundamentals of Risk and Insurance (8th edition): \”In most cases, the customer is asked to purchase a product in which he or she becomes a party to a contract that he or she has not read nor would understand if it were read.\” That is almost an open invitation to fraud. When selling the contract or when paying claims under it, insurance personnel know that the buyer or claimant may be at their mercy. Claims adjusters, anxious to make a record by denying claims, have a field day. Insurance agents, anxious to earn commissions, can also join the field day in puffing and misrepresenting policies.
Would that be the two insiders who committed a felony by giving proprietary information to Dickie Scruggs, and then didn\’t turn it over when they were ordered to do so by the federal judge?
\”A grocery store owner, her son and his girlfriend face federal charges in the fire that gutted the business last year, allegedly as part of a scheme to collect just over $794,000 in insurance money.
Mayneng Xiong, 51, owner of TMX May\’s Super Market in Green Bay, was indicted by a federal grand jury along with her son, Pao Xiong, 22, and Xee Vue, 20. All three Green Bay residents were arrested Thursday, U.S. Attorney Steven Biskupic announced.
The Xiongs are charged with arson and mail fraud and also with conspiracy to commit arson and mail fraud. Pao Xiong also faces a charge of being a felon in possession of a firearm for a handgun found in his home.\”
This can\’t possibly be true. The only dishonest, greedy liars are employees of insurance companies!
No one has ever said that insureds don\’t try to defraud insurance companies, but insurance companies need to take responsibility and take care of the honest people!
P.S. You may not work for SF, but you do work for an insurance company.
You\’re putting your own twist on what I posted. Please refrain from doing so. My point is that insurance companies are also \”victims\”. I have often said it goes both ways. It is the \”advocates for the people\” who keep it one sided. I merely showed the other side. I get your point and I have often commented FOR BOTH SIDES, not just one.
P.S. My job description has nothing to do with assisting insureds (unless they call me by mistake) and making sure they are treated fairly. I don\’t work directly with insureds at all.
Sheron Weiss
Comment:
My son stayed untill daylight on 2nd st. in Pass Christian. He is lucky to be alive but he knows what type of damage was done by the wind. My adjuster told me not to worry. I had alot of wind damage and State Farm was going to take good care of me. He called me back that same night to appologize. He said when he got back to the office with his report, it was taken away from him and he had been taken off my case. In addition they demanded his personal notes and photos. He refused to give them up. He said he didn\’t like what State Farm was doing to me and told me to keep his card. He also told me that if I needed him for anything to call him. I want my story heard. (228)697-3695
So sad that too many people have the same story. What is wrong with a country that will not take care of their own people, but will help other countries! I agree we should help other countries, but lets take care of our own first!
Miss Jewel….
Excuse me missy, you are out of line and you are wrong.
Not too cool to jump to conclusions, playing the police patrol of the journel but lack the courage to leave your real name.
Are You too afraid to leave your real name? Why hide in the bushes and accuse me of using AKA names. I leave my real name, you use a name like Jewel and you are not a Jewel. Perhaps it’s wishful thinking?
Ironic that the people living in the glass homes are the people who love to throw stones.
Please don’t type my name again.
Get a life.
I seldom read this, I have a life.
Surviving Katrina and people that can’t tell the truth.
\”\”If you on the other hand listen to the press, listen to the stories, listen to the people, who are getting in front of the microphones, it is a constant barrage of the criticism, of hyperbole, that seem to tell the story to the American people that almost no one has been paid, and that everyone is very dissatisfied.\”
What, what, what!?! You mean the media misrepresents, misreports, spins, exagerates, or otherwise fails to give the whole story? You mean they can actually make something worse than it really is? You mean they ignore good news to paint the most bleak picture possible? I\’m sure there\’s a lesson to be learned here about other news stories and current events.
If you got your news from IJ, you would think that every claim was denied and that every house was a slab case.
You would also be called an apologist for arguing that 98% of claims closed within one year means that the industry did a good job.
So much hostility… wow! Can\’t we all just get along… here: a couple rules and we\’ll live happier:
1) Republicans AND Democrats are trying to get re-elected and not lose the cushy job they have manipulating the US.
2) Katrina\’s aftermath was mishandled (The Democrat govenor and mayor failed the citizens of LA and the Republican congress and president failed the US – although there wasn\’t much they could do since they weren\’t asked to help, until too late).
3) Some foriegn aid was turned away following Katrina, often this was because it was from nations we were not willing, politically, to deal with or because it was aid that would have spoiled in transit or storage.
4) Some insurance companies horribly mishandled the aftermath of Katrina. Not that they blatantly attempted to screw policyholders (although some may have) but many policyholders are attempting to blame anyone they can for their own negligence in obtaining appropriate insurance when you live below sea level in a hurricane prone area.
5) The media\’s job is ratings, not reporting. What sells, runs.
6) We\’re not all shills for a particular company. We all have valid points (for the most part) but some choose to be more easily sucked into conspiracy theories, company bashing, or political party bashing.
Let\’s move on… don\’t build below sea level in an area prone to hurricanes, if you do, get the RIGHT insurance. If it happens again, stop complaining when a company makes a business decision to raise rates or stop writing there… MOVE! Take some personal responsibility… the government\’s job is not to be there to bail you out or protect you from your own ignorance. Stop making the country bail you out because of how you CHOOSE to live. Along those lines, insurance companies: pay what you\’re supposed to pay.
There, it\’s over.
If the claims not yet settled would not have been INTENTIONALY MISREPRESENTED by the carriers, this would all be over. Had they gone in and paid for roofs, decking, some framing, ceilings, etc (about 20-35% of limits) this would never be happening. The carriers would have saved the bad press and tens, if not hundreds, of millions of dollars.
yeah, joe, you know everything.
Give us all a break and stop posting.
I love how he always turns every story (even one about a baby deer) into an anti-insurance company rant.
Only in Joe\’s world does that even make sense.
HOORAY FOR JEWEL
In all fairness I think you\’re also exaggerating. Many carriers did do the right thing and have not been named in suits, some even assisted Disaster Recovery teams and lent invaluable support in terms of manpower and material.
The problem is that noone reads insurance contracts, flood exlusions were not understood, defining storm surge vs flood had never been tested in as large an area, people never thought they\’d experience this (mainly becuase they ignored warnings, tests, models that were prepared by the federal government).
Sure, some insurance companies mishandled Katrina claims; some were overwhelmed by the scope of the disaster, some may have made an effort to screw as many customers as they could. But I don\’t think it\’s fair to say P&C companies are all at fault nor do I place all the blame on them for applying their interpretation of a contract.
Find me 1000 home&auto owners and I\’ll show you 995 people who have no idea what kind of insurance they have, what limits they cary, what feature would pay in event of a particular claim, etc.
Working in the industry, I\’m tired of asking people what liability limits they have presently only to hear \”I have full coverage\” or \”Umm… it\’s a $500 deductable\”.
learn to read and become knowledgeable about the insurance industry before they post comments.
I agree with you Joe. And yes, you should.
Again, I am not sure of the point of your post because, as usual, you have no clue.
Please learn to speak english
First off, the 98% stat is misleading. Bob Hartwig admitted in testimony that if the insurer said all the damage is excluded, that case is not counted as a claim at all, so it it not reflected in the stats. Those cases are in addition to the 2-5 % where the insurer acknowledges a claim but the amount is in dispute. Also of course, 98% not in court is not the same thing as 98% satisfied. Plenty of people did not sue but are not happy.
The percentage settled is an irrelevant stat anyway. There were hundreds of thousands of claims inland far beyond any surge flooding. No one ever said there was a problem with those. The problem was how State Farm and Allstate could pay hundreds of thousands of wind claims up to 150 miles inland and then claim that the winds on the coast were not strong enough to have caused damage before and during the surge. Homes that survived with a definite waterline got wind coverage for damage above the line, but homes that were destroyed got no wind payment from SF or Allstate. The insurer has the burden to proof to exclude. If the insurer can prove that all the damage was caused by flooding, then it should be excluded. If the insurer cannot prove that flooding caused all the damage, then it should not excluded.
I settled. Settled because Allstate threaten take this or nothing. I had flood insurance and homeowners insurance. I will be paying for a second mortgage for years now. I am settled but sure not satisfied.
Adjusterjerk – maybe you should try some of your own advice…
And please take a continuing education class about sexaul harrassmentin the workplace.
This is all political driven. There is one polical party in our society that takes political advantage of whatever they can as that is the only way they can hope of winning. In this past, this party used to cater to the politics of race, but when people figured that out, they have to move on to finding other people to take advantage of. People in the Katrina damaged area and beyond have made out like bandits. In other words, their votes have been purchased by this very fraudulent party. Beware of who these policians are and tell them once and for all, quit these games, we have had it you!
It is unfortunate for you, Mary B, that you have not a clue. Brian, Good post. The truth hurts the feelings of the apologist – non insurance people here. The clerical staff of State Farm has been instructed to defend State Farm to the death here at IJ andother internet sites where the truth is being told.
Dirk, the politicalness of Katrina saw no ploitical lines. Both parties are guilty.
The liberal media will do anything to slander insurance companies as to help advance their liberal agenda. Since when has Rush Limbaugh slandered insurance companies? You tell me?
Then the US should remove Florida from the map?
What about fires ?
Last month 50 tornadoes hit US within 1 day?
Think these Victims will have problems with their claims? Without a doubt!
Dirk, Trent Lott is a consevative republicans now sponsoring legislation to revoke the insurance industry\’s anti-trust exemption.
In Katrina, I lost a secondary home and it\’s contents, a boat and two friends. Many clients lost much more.
We don\’t have any mad clients, however.
Claims weren\’t handled as soon as people liked but I live 70 miles from New Orleans and had two Allstate adjusters stay with me a week ( I don\’t even represent Allstate). They\’d drive the 70 miles to New Orleans every day \’cause there were no other places to stay in N. O.
With just a slab left, how can one say what was done by wind prior to the waves (or wall of water) taking all the building down in some FIVE MINUTES from no flood to inundating water rising way above the roofs? Only God knows but I think, after looking first hand at much damage, that wind would leave alot to examine where water takes all. Hard to explain unless you were there. Kinda like telling someone who has none how it is to raise kids.
Sounds like alot of posters slept in a Holiday Inn Express last night.(and some need to)
Hey ya-all….can we pleeeaaase cut the politics and the cat fights?
Hi Laurie,
I\’m assuming you must be new to the posts here. They\’re all politics and cat fights. :-)
Jewel. Where\’s the baby deer story? You got my curiosity now.
Brian- I understand what you are saying, and I agree with most of it, but I would like to point out one thing.
You, yourself, pointed out that in cases where there was even a partial house left that the major carriers paid.
You also agree that away from possible flooding losses wind claims were paid.
However, claims close to the ocean weren\’t paid.
Some of those denials of coverage are probably fraud, just based on the law of averages.
However, many of them are due to a single exclusion in the policy.
You know- the one that said that if the home was destroyed by flood the policy wouldn\’t pay for the wind damage?
So… claims close to the sea where some house was left standing with evidence of both wind and water damage were paid. Claims far away from the sea damaged by wind were paid. Claims close to the sea with no home left for evidence are under dispute.
Even if (using your reasoning) the number of open claims is 10 or 15 percent, it would still appear that the vast majority of insureds got some sort of recompense.
Was their fraud?
Probably.
Is every denied claim a fraud case?
Probably not.
Should we imprison every insurance exec and turn over risk management to the people who administer medicare?
Not a chance in heil.
Katrinafying Kansas
By INVESTOR\’S BUSINESS DAILY | Posted Wednesday, May 09, 2007 4:20 PM PT
Leadership: Democrats are starting to blame the federal government every time their governors get caught unprepared for natural disasters. Nowhere is that more blatant than in the Greensburg tornado aftermath.
Louisiana Gov. Kathleen Blanco blamed the feds after the 2005 hurricane that devastated New Orleans. Now Kansas\’ Gov. Kathleen Sebelius is doing the same.
It\’s become a pattern: Democrats blaming President Bush for their own lack of disaster preparedness. Like Blanco in Katrina, Sebelius claims the federal response to the May 6 tornado that leveled the town of Greensburg was slow. She blames Bush\’s deployment of Kansas National Guardsmen in Iraq.
The president and his latest critic.
\”States all over the country are not only missing personnel,\” she told CNN, \”they don\’t have the equipment they need to come in. And it will just make it that much slower.\”
Fact is, she had 4,500 guard troops on call for this town of 1,600 if she needed them. She also had offers of help from other states for any resources Kansas asked for.
More than that, Kansas itself is full of resources — like farm equipment, along with private companies and citizen volunteers that can use them as effectively as any military equipment to clean up.
Worse, after Sebelius\’ loud complaints, it turned out she hadn\’t even asked the Federal Emergency Management Agency for help.
\”If you don\’t request it,\” White House Spokesman Tony Snow noted, \”you\’re not going to get it.\” That, by the way, is the law.
What Sebelius was really doing was resurrecting the bogus 2005 Katrina-era myth of an unresponsive federal government shunning a helpless disaster-struck community for no good reason.
Sebelius isn\’t alone. Democratic presidential candidate Barack Obama on Wednesday decried the 10,000 Greensburg tornado deaths. There were in fact 12 people killed. Never mind. An aide later called it a slip of the tongue, but the similarity to wildly overblown death estimates in New Orleans was unmistakable.
Why were so few people killed in a tornado that destroyed 90% of the town? Unlike New Orleans, Greensburg\’s 1,500 self-reliant residents used their 20-minute warning to find shelter.
That\’s why it is they who see though Sebelius\’ bid to blame Bush.
\”The \’poor response\’ thing is just B.S.\” a disgusted Greensburg resident, Mike Swigart, told WCBS TV. He cited a swift National Guard response, and fellow farmers who rushed in to help.
Nor were the Kansas residents clamoring for aid. Self-reliance, it seems, is an antidote to political opportunism from demagogues who would turn everyone into a victim. These Kansans knew hay from political hay. Maybe it\’s time Sebelius did, too.
The story is here:
http://www.insurancejournal.com/news/midwest/2007/05/14/79654.htm
OK, so maybe it\’s not a baby deer. I actually just said the first idea that came into my head. Then, I found this article. Pretty funny.
Anyway, if fakeadjusterjoe found his way there we would all be in trouble.
It\’s going to be a long week if he keeps posting. Of course, his moronic remarks remind me that I am glad I am not stupid. :)
I hope you\’re enjoying your day!
Jewel, Adjusterjoe has just as much right as you do to voice is opinion! You get too excited and defensive!
Thanks Jewel,
Yeah, the day is going well so far. I know I can always depend on the postings on IJ to get me through my day.
Thanks everyone. :-)
You are right about adjusterjoe. We need him as counter balance to rational dialogue. If we did not have his insane rantings we would not appreciate sane postings as much. You have to have bad before you can appreciate good.
Perhaps you took me seriously. Although it would be great if joe stopped posting…
I never said he couldn\’t voice his opinion. I merely requested that he stop posting.
I never said HE couldn\’t post, only that he shouldn\’t(or I wish he wouldn\’t).
Please don\’t manipulate my words.
P.S. Seems as if your post was a little excited and defensive!
I would still appreciate your posts because we would still have people like Rosie and Melanie posting nonsensical things.
At least they aren\’t pretentious know-it-alls (who DON\’T know it all- or all that much)…
Hello – This is totally unrelated to the topic, but I thought it would be a good place to ask this question.
I\’m looking for software that will map sales by state and by product. Does anyone here currently use something like that and have a preference for product?
You are absolutely right, how boring if all the post agreed on the issues!
I didn\’t see any response to your excellent post. Apparently no one can dispute those facts, not having been there. Good job!
These people are pathetic, Sebelius actually blamed the lack of response due to her national guards being in Iraq. The truth is, there was so Kansas national guards in Iraq, zero! Sadly, this is the only way the democrats can win, by taking advantage of a disaster. How often does the GOP pull this kind of crap? Never! Their party needs to buy votes from people who think they can fool. First it started with minorities and immigrants, but most people in these groups are too sophisticated for fall trap to the democrat games. Whatever it takes to buy a vote, they will do it. Forget innocent until proven guilty, their motto is \”if you mean votes to us, then we will do what it takes to buy your votes and your opposing side will be found guilty regardless.\”
Unlike the Clients that were told they were in Good Hands or had Good Neighbors, The Advertising Industry at least shows some decency to their clients.
They don\’t treat their Clients like the Insurance Industry. threats their clients.
Media don\’t want to expose them because that would hit their homes.
The Advertising Industry & Media has Loyalty to their Clients and that is something that the Insurance Industry is allergic too.
You\’re kidding, right? Since when do politicians NOT point fingers at the opposition just to misdirect attention? As you say…Never! Get you head out of the sand (no pun intended) and do what you can to make this a better place.
is sad that so many here have so little knowledge of the insurance industry and claim to be in it. No one has refuted what I have posted so they attack me personally. Sorry you do not like or respect the truth. Too bad, maybe one day you will take the time learn the insurance business. It is really a fancinating and rewarding industry.
Fancinating and rewarding to take money for people & screw them out of what they needed, when they needed it.
Please…You are a Typical Male Pig!
You too will have to answer one day
Whatever you do, comes back to you.
No one escapes that. In time.
To Lady in waiting:
I would never want to self defeat by saying something like \”you are a typical female witch.\” Just imagine what a factless, baseless statement would do to advance my cause? Nothing, it would only hurt it! I am sure you are intelligent enough to debate me on the issues, but why would you tell the world that you lack intelligence? What you said is something a loser would say, don\’t you agree? Don\’t tell me this is the way you usually debate, is it?
Duh, you claim to be highly intelligent but you don\’t even know how to leave a feedback.
I agree: Adjuster Joe You Gotta Go!
You are not as smart as you want to be.
Fancinating- has anyone figured out what this means? Ha ha…
\”Think these Victims will have problems with their claims? Without a doubt!\”- M&M
Why do you think that M&M?
Hey B… don\’t you just love how fakeadjusterjoe says the same thing over and over and over (repeat and over 1,000 times)?
Maybe he has a limited vocabulary.
Laugh Out Loud!
Seems the Policyholders are learning to play the Insurance game.
They made the rules;
If I wanted to defraud my Insurance Company, the only thing that is covered is fire.
Wow look at that. Jewel I must have moved up to your status. Somebody is posting crap under my name now. That last post wasn\’t mine.
Any suggestions on who it might be? ;-)
I was thinking it didn\’t seem like something you would post. I hadn\’t had my morning caffeine by then though.
The person did capitalize an excessive amount of words. Usually Melanie does that but not a whole sentence full. I think we can eliminate her and Kim David (since I think they are one and the same).
Hmm… let me think on this and get back to you. In the meantime, have a good day. :) (And be flattered that someone wishes they were you!)
LOL.
Doesn\’t everyone wish they were me?
No?
Ok, I\’ll be quiet then. :-)
why are you wasting your time posting to this mess. your rationale and explanation shows a person too far above us in intelligence and understanding to even be a part of this discussion. if everyone read and listened to what you said we could easily move on to something truly challenging. i have printed and will show your posting to my children so they can see what a intelligent, thoughtful response to a problem should be. i truly hope you will continue writing and showing your wisdom with us.
People who want more than they are owed under their policy coverages ALWAYS have problems with their claims!
True some companies insure quite a lot. You\’re in the industry but appear not to respect the need to advertise to get volume. Volume is what enables large carriers to become large carrier AND be there for their insureds. Most are 99.9% of the time. And then some small carriers rarely if ever advertise and certainly don\’t have the money to advertise on TV. AMICA comes to mind. I had Allstate for 20 years until I moved to a state where they don\’t write. They\’ve paid numerous claims – two auto and three homeowners. They were there when I needed them. People seem to have unrealistic expectations or don\’t understand what humans – adjusters included – were up against with Katrina. There were homes adjusters couldn\’t get to. In Kansas, there are homes that don\’t exist any longer. We actually hunted our insureds down at shelters to give them money for the short term. That never makes the news and it won\’t because it\’s what we do in the industry all of the time. When an adjuster screws up – and as a human being they will – it\’s attributed to an industry wide ill instead of a human error. They sue before they speak to a supervisor or a manager. Sad world we live in sometimes.
so true, inslaw. as an adjuster, i make mistakes all the time. i just don\’t know when to quit though.
Hey adjusterjoe…while I may not always agree with you, it\’s nice to have a differing opinion from time to time….it\’s what keeps my brain working! Unlike others, i\’m not afraid of a challenge.
And, it\’s a free site, post away my friend, post away. :)
\”Unlike others, i\’m not afraid of a challenge.\”-Courtney
There\’s a difference between a challenge and a lost cause. I am not afraid of a challenge. I am sure most people on this board are not afraid as well. That being said…
It\’s hard to debate with a monkey. If fakeadjusterjoe could follow from A to Z, that would help out a lot. But anyway…
Jewel, you are being very unfair. This is not a name calling website. Sounds like you are afraid of a challenge!
Anon, I live in NE FL and I agree; you have to ready to pay the insurance that is commensurate with the risk associated with the place where you live. Currently, they\’re encouraging building in the St. Louis plains. Do they understand that they are subject to flooding if they\’re levees break? Do they want to pay the true cost to live there? Lott lived on the beach butt didn\’t want to pay the true cost to insure it for flooding.
I disagree about the Feds not being invited in until too late. The Feds and FEMA were watching the situation and could have taken control at any time. Also, do we wait to be invited to other disasters around the world? No. We see they\’re in need and we go to their rescue. We get around the world faster than we got to New Orleans. Let\’s not point to who is to blame or their party affliation because I really don\’t care. As an independent, I believe everyone is equally responsible – residents, Dems., Reps. Do we need to rebuild? What are the alternatives? With the high unemployment, it seemed to be a place where a lot of folks would have been better off leaving. Too much money has been wasted there already in an all or nothing plan. I hate to be trite but we should be thinking outside of the box for a solution on this one and rebuilding in the same location for lots of folks may not be the right answer.
Well said FL Resident and Anon.
So true, lets stop pointing fingers and stop paying for studies and start looking for solutions.
Have you seen the video, Adjuster Joe? Mr. Soto is extremely articulate and a very good industry spokesperson.
An Understatement, because it\’s easier to beat a casino than get a fair deal with any insurance company.
Stop reversing the blame & admit the Industry is consumed with Bandits!
Liar, Liar, Pants on Fire!
Fraud is rampant in the insurance industry. Just as we pay for it when someone steals from a storefront, we pay higher premiums because of everyone who fakes an injury or the extent of their injury or sets their house on fire because the markets bad and they can\’t sell if for what they owe the mortgage company. Happens often but not all of the time. The vast majority of people in the industry are honest and the training is always about finding coverage based upon the policy language. It is a contract. One that your state negotiates heavily for you (if they don\’t write it).
FL Resident-
adjusterjoe won\’t like that video because it speaks FOR the insurance companies, instead of against them.
I prefer for the right thing to be done, no matter who has to pay. Of course, joe just says I am an apologist because I won\’t condemn any insurance company without knowing the facts. Same goes for an insured. But, he is narrow minded as many others have pointed out.
P.S. RAL- I am not afraid of a challenge. Did you read the post where I said there is a difference between a challenge and a lost cause? I didn\’t think so. I do not consider you any type of challenge. :)
Oh and yes, this is a name calling website. Haven\’t you noticed most people resort to name calling on here? Even your sweetie pie fakeadjusterjoe. I think you\’re being unfair- wah wah!
There were articles posted this morning about people committing fraud against insurance companies.
It seems a little ignorant to blame only one side in direct contradiction to evidence.
Like one in a million may put the torch to a home to collect insurance money,
yet every policy holder is defrauded by this Industry.
It would be fair to say, they don\’t like the taste of their own medicine.
I did think about rewriting the book,
The Real Mississippi Burning.
Thought about burning everyones\’s house except my own because I never wanted to seem greedy, I just wanted justice for being denied with my first claim in 20 years. It made me more angry when I saw My Neighbors suffering the consequences.
I am a law abiding citizen and I would never do anything like that but the thought did enter my mind.
We laughed and said, Lets Do a Real Mississippi Burning and see if they pay for fire?
Guess What, homes that were torched, were denied too, said they were already destroyed from Katrina.
Rush is too high on prescription drugs to make any type of coherent statement about anything.
M&M you are not plain so you must be NUTS. Hang out with \”adjuster\”joe much?
Jewel is a (Vulture) (no a Paranah) no a State Farm Agent.
Or is it miss Alex Soto. I see the two of you read the same B.S.
Statement of Alex Soto
Senate Committee on Governmental Affairs
\”Oversight Hearing on Insurance Brokerage Practices, Including Potential Conflicts of Interest and the Adequacy of the Current Regulatory Framework\”
November, 16 2004
Good morning Chairman Fitzgerald, Ranking Member Akaka, and Members of the Subcommittee. My name is Alex Soto, and I am pleased to be here today on behalf of the Independent Insurance Agents & Brokers of America (IIABA) and to provide my association’s perspective on broker compensation issues that are the focus of this hearing. I am an officer of the IIABA and have served on our national association’s Executive Committee for over three years. I am also President of InSource, Inc., a Miami-based independent agency that offers a broad array of insurance products to consumers and commercial clients in South Florida and beyond.
IIABA is the nation’s oldest and largest trade association of independent insurance agents and brokers, and we represent a nationwide network of more than 300,000 agents, brokers, and employees. IIABA represents independent insurance agents and brokers who present consumers with a choice of policy options from a variety of different insurance companies. These small, medium, and large businesses offer all lines of insurance — property, casualty, life, health, employee benefit plans, and retirement products.
IIABA’s Reaction to the Marsh Investigation
IIABA condemns in the strongest possible terms bid-rigging, marketplace manipulation, and other anti-competitive conduct, and we are outraged by those who have engaged in illegal practices and tarnished the image of our great industry in the process. We applaud the efforts of state insurance regulators, attorneys general, and other law enforcement officials to swiftly identify and bring to justice anyone proven guilty of these unlawful activities. No system of regulation and oversight will ever prevent all determined bad actors from breaking the laws of the land, but we are extremely pleased state officials are acting aggressively and in a coordinated manner to restore the public’s trust in the insurance industry. It is our hope that all individuals who have engaged in this conduct will be punished to the fullest extent of the law. ( Okay good go after State Farm)
Typical, double talking, BS.
Smells like ENRON, but worst than one Co.
Someone needs to stand up for Homeowners or they will continue to do this, because they can.
I say, stop allowing Campaign Contributions for Insurance Commissioners.
No need to bid rig because the Industry has found loopholes for any claim.
A Policy, without Coverage.
Do you EVEN read the posts? I mean, do you have someone READ them to you? Or do you just post out of your behind?
How long have you worked in insurance
I have been in the industry 25 years
and people try to get things paid for
\”fraud\” on a regular basis. The industry
gave new roofs, gutters, air conditioners to everyone in Jo Co in 1992/1993 and insureds thought it was a big joke. We got a brand new…. we needed one anyway.
Yes they spill BLEACH on their carpet to get new carpet….on and on and on
give me a break, I wish everyone was honest and trustworthy but my ears and eyes tell me the real story.
Attorney General: CT Attorney General Joins 48 States and DC in $40 Million Settlement With State Farm For Damages …
CT Attorney General Joins 48 States and DC in $40 Million Settlement With State Farm For Damages Vehicle Titles Abstract: Attorney General Richard Blumenthal today joined officials from 48 other states and the District of Columbia in announcing a $40 million settlement with State Farm Mutual Insurance Company to compensate consumers who …
http://www.ct.gov/ag/cwp/view.asp?A=1949&Q=290002 – 21.7KB 38%
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17 May 07
I have worked in the insurance industry for over 25 years and I have seen insurance companies swindle many, many insureds out of proper settlements. So it works both ways!
I see unemployedjoe has made it to this board and spewing lies about State Farm folks being instructed to \’defend to the death\’. Clown, how many times do I have to call you out as a liar about this non-exisistent memo you refer to before I hear anything but dead silence from you? And I have some good advice for you, you are an independent adjuster. Again I say an independent adjuster. This does not make you all knowing of all companies practices so shut up.
Dear Jewel , of State Farm. Do not depend on your own understanding.Don,t be impressed with your own wisdom. I do hope this is not the best part of you. Please do not be so foolish. Putting confidence in evildoers and envy in people who care . P.S .I no not live in Mississippi. Jewel go back and read Kim David Story I hope it will open your heart.
What are you even talking about?
You obviously do not understand anything I have posted. Until you actually comprehend my words and their meaning, please stop posting to me.
Thank you
I don\’t work for State Farm. Where do you nut jobs get your information? Stop making up things in your little minds and pay attention to what has actually been posted.
You and your other personalities (Melanie, Kim David) need to stop with your insane rants.
comments for:
Lawsuit Claims Paralysis Caused by Denial of Claim
West News • May 15, 2007
A 39-year-old Washington woman paralyzed from injuries caused in a car crash sued her insurer for denying coverage for surgery doctors agree could have prevented her paralysis. Tara Sadler, a …
Back to article
Insurance Journal is not responsible for the content of the message below.
Subject: RE: RE: RE: : No PAY
Posted On: May 15, 2007, 7:26 pm CDT
Posted By: KJEW
Comment:
It is the position of State Farm that the hurricane actually improved this kitchen. We should be charging the homeowner for improvements, not paying him for damages.
*******
This house died of old age. Not covered.
*******
I doubt there was even a house here to begin with. Investigate \”homeowner\” for insurance fraud.
*******
It appears that some rogue appliances pushed a car into this house. I\’m absolutely sure that the policy doesn\’t cover damage from cars being pushed by rogue appliances.
*******
OK, if the car ran into the house, then it\’s covered. But it looks to me like this happened the other way around.
*******
If you look closely, you\’ll see that it\’s the porch that\’s damaged, not the house itself. We sell homeowner\’s insurance, not porchowner\’s insurance.
*******
This house just quit. It doesn\’t look like it made even the slightest effort to weather the storm. We don\’t cover quitters.
Subject Posted By Posted On
RE: RE: State Farm is ROTTEN TO THE CORE
Subject
State Farm Insurance supervisors systematically demanded that Hurricane Katrina damage reports be buried or replaced or changed so that the company would not have to pay policyholders\’ claims in Mississippi, two State Farm insiders tell ABC News.
fraud committed by insurance companies is even more reprehensible than policyholder and claimant fraud. Insurance companies and agents are licensed by the state. They have a fiduciary duty to policyholders and claimants. They proclaim they are subject to the highest ethical standards. But they are often as dishonest and fraudulent as some of their often denounced policyholders. So they are often both frauds and hypocrites.
Consider how easy it is to commit insurance fraud. Even insurance textbooks admit that policies are unread and unreadable. According to Vaughan and Vaughan, Fundamentals of Risk and Insurance (8th edition): \”In most cases, the customer is asked to purchase a product in which he or she becomes a party to a contract that he or she has not read nor would understand if it were read.\” That is almost an open invitation to fraud. When selling the contract or when paying claims under it, insurance personnel know that the buyer or claimant may be at their mercy. Claims adjusters, anxious to make a record by denying claims, have a field day. Insurance agents, anxious to earn commissions, can also join the field day in puffing and misrepresenting policies.
Would that be the two insiders who committed a felony by giving proprietary information to Dickie Scruggs, and then didn\’t turn it over when they were ordered to do so by the federal judge?
A similar incoherent post was also posted on another thread using Melanie\’s name.
So please stop using 500 different names to post- Melanie/Erin/Kim David, etc.
It doesn\’t strengthen your cause.
Portion of an article posted on this website:
\”A grocery store owner, her son and his girlfriend face federal charges in the fire that gutted the business last year, allegedly as part of a scheme to collect just over $794,000 in insurance money.
Mayneng Xiong, 51, owner of TMX May\’s Super Market in Green Bay, was indicted by a federal grand jury along with her son, Pao Xiong, 22, and Xee Vue, 20. All three Green Bay residents were arrested Thursday, U.S. Attorney Steven Biskupic announced.
The Xiongs are charged with arson and mail fraud and also with conspiracy to commit arson and mail fraud. Pao Xiong also faces a charge of being a felon in possession of a firearm for a handgun found in his home.\”
This can\’t possibly be true. The only dishonest, greedy liars are employees of insurance companies!
No one has ever said that insureds don\’t try to defraud insurance companies, but insurance companies need to take responsibility and take care of the honest people!
P.S. You may not work for SF, but you do work for an insurance company.
You\’re putting your own twist on what I posted. Please refrain from doing so. My point is that insurance companies are also \”victims\”. I have often said it goes both ways. It is the \”advocates for the people\” who keep it one sided. I merely showed the other side. I get your point and I have often commented FOR BOTH SIDES, not just one.
P.S. My job description has nothing to do with assisting insureds (unless they call me by mistake) and making sure they are treated fairly. I don\’t work directly with insureds at all.
Sheron Weiss
Comment:
My son stayed untill daylight on 2nd st. in Pass Christian. He is lucky to be alive but he knows what type of damage was done by the wind. My adjuster told me not to worry. I had alot of wind damage and State Farm was going to take good care of me. He called me back that same night to appologize. He said when he got back to the office with his report, it was taken away from him and he had been taken off my case. In addition they demanded his personal notes and photos. He refused to give them up. He said he didn\’t like what State Farm was doing to me and told me to keep his card. He also told me that if I needed him for anything to call him. I want my story heard. (228)697-3695
So sad that too many people have the same story. What is wrong with a country that will not take care of their own people, but will help other countries! I agree we should help other countries, but lets take care of our own first!
Miss Jewel….
Excuse me missy, you are out of line and you are wrong.
Not too cool to jump to conclusions, playing the police patrol of the journel but lack the courage to leave your real name.
Are You too afraid to leave your real name? Why hide in the bushes and accuse me of using AKA names. I leave my real name, you use a name like Jewel and you are not a Jewel. Perhaps it’s wishful thinking?
Ironic that the people living in the glass homes are the people who love to throw stones.
Please don’t type my name again.
Get a life.
I seldom read this, I have a life.
Surviving Katrina and people that can’t tell the truth.