No business can thrive or even survive if its contracts are negated willy-nilly. The people of Mississippi have chosen to attempt to do that. If the exclusion for flood whether driven by wind or not is negated, there is no choice but to cover neither.
Premiums for risks undertaken are underwritten based on the contract, not what public opinion cries for after an event. If the contract is negated, the premium charged was insufficient to make the business profitable. When the business is unprofitable the insurance company quits writing the business or leaves the state entirely.
If I had State Farm as my neighbor. I\’d move! I dealt with them and Farmers after the May 3rd tornadoes in Oklahoma. The way they conduct themselves is more like organized crime than as legitimate insurance companies. It\’s simple the insured pays a premium to transfer the risk. The risk is transfered. A loss occurs. Pay the claim. It is just the most deplorable behavior to claim that the carriers are just showing good claim practices when they attempt to legally cheat the insured\’s out of the money they are owed. I dealt with both carrier\’s experts. Both would make grand statements not supported by their trade or the meteorological data available.
The flood exclusion has not and is not likely to be negated. Judge Senter has been pretty clear about that. But neither can they simply lay off all damages as surge/flood. What is probably on the table is what came first wind or surge and to what degrees they damaged some homes. In my personal case I made a successful claim of substantial damage hours before the surge arrived. Did I receive full compensation for my structure and contents…NO>..and I shouldnt have. But I did recover what was a comenserate amount based on what we could prove.
My point here is that State Farm, and others are simply cherry picking. They want the easy risk business but dont want the business with more risk. I am of the belief that companies if they choose to do business in a state should be obligated to write business throughout the state.
As to the criminal misconduct possibly of State Farm in falsifying engineering reports, that is yet to go to court but I suspect some SF heads are going to roll over this.
Exactly. If the insurance companies want to pull out during risky times then they and their intenties should not be able to ever write in that state ever again.
I hope I win the lottery because I would post banners and advertise factual and unethical issues against this carrier in every state and disclose how some of the humans that work for SF are criminals. I would pay to have them charged like the Eron \”good-ole-boys\”. Oh, sorry, it\’s State Farm – I mean the \”Lesbian Squad\” and \”Menopause Ladies\”. This undeserving female leadership is running the interior of this company, to the ground. It is forcing the brave and mature men of the company with excellent leadership to act like \”***** boys\”. Subservants to the feminist enterprise environment that forces these men of action to manage their people with concepts like \”The squeaky wheel get\’s oil first\”. True manly leadership would lead their people by sayiing \”I will make sure my people never squeak because I will always be providing them with the proper supplies, to do a great job\”!!!
They Only \”Consider\”….
Payment for Damages
Above The Water Line….
Minus Depreciation
No Water Line=they pay $0.00
Loss of Use: Paid $0
Wind Damage: Paid $0
EXAMPLE:
Monthly Rate: $108
Insured Amt: $50,000
Policy Ded: $2,000
Hurricane Ded: $5,000
$8,000 Deductible $50,000 Policy
Over $1,200 per Year and they denied all Katrina claims….
If they won\’t pay for a category 5,
what makes you think they will pay you for one less than Katrina?
Demand Justice or it will happen again…
Send the Insurance Industry to IRAQ…
and Bring Our Boys HOME!
We have our own wars in America.
Fighting for rights of innocent Americans that Paid and Trusted Insurance Companies to Financially Protect their Homes…
Pirates!
They were worst than Bin Lauden…
He did not pretend to be American &
We Never Trusted Him.
PAY US OR LEAVE THE USA…
LET FEMA SELL HURRICANE INSURANCE.
WIND AND/OR WATER DAMAGE.
Ted…
I agree with exposing State Farm, Enron, Good Ole Boys, etal Corruption.
however, sex has nothing to do with this,
Men have dropped the ball and let their wives bring home the bacon.
Women are making more because they are working more & they care about making a difference.
Men are taking naps, because they can.
It is the Men that have been running USA and our country, our families are in deep trouble. We need to put Prozac in the drinking water.
Everyone is coping…
I find the majority of women are too scared to accept a bribe, so they are more honest then most of the men that have stuffed their pockets for years, making deals in the lobby, hiding behind robes and from the White House to our Bedrooms and not limited to:
Cash in the freezer but re-elected…
Seems Men do not care about honor anymore.
Money Screams….
Running A business is a cake walk compared to being married to a selfish man….. A nice office, Designer Suits, Gucci Handbags, Lunch & Picking up the tab is much more fun than raising a family and you get paid, rewarded for working outside the home.
Inside, it\’s eat your spinach, take your bath, do your homework, clean your room, your father is not home yet..BlahBlahBlah
Women bring home the bacon, fry it, serve it, clean the mess and provide everything that a man needs from Love, sex, nuturing, and advice from a woman\’s intuition, paying the bills and raising your children. Leave Sex and Race Out of this one.
What do men offer in return?
We are lucky if they come home to eat.
I give you that, I stand corrected. The men in leadership today are not our grandfather\’s father. They stand on the shoulders of past giants. The only reason they think they are successful is because of the process, the check and balance, the engineers nirvana, the redundant check list that makes them succeed. Even a Caveman could do it! as long as the process eliminates their human error, corruption and laziness.
These men and women leaders of today have no idea the kind of men and women that lead this country. They were: God believing, humble, great husbands, wives, mothers and fathers, charitable and mature, with a purpose for the betterment of our country.
Today, these men are immature boys, self-centered, self-seeking, narcissistic that seek to live a criminal professional life and personal life of shame in the shadows. These modern men are just undeveloped, unrefined frat boys, functioning addicts, alcholics, they marry porn stars or at best marry a trophy wife that is as shallow as a stick (paper doll with a painted on smile). If, this kind leadership is in charge of American Enterprise how can we expect anything less from these companies except for these companies to do exactly as a their leaders. Today, these American companies make ignorant, short range, immature and narcissistic decisions.
I wish the good wives of these bad men would light a cigarrette in bed and role and (burn) put the cigarrette out of their husband chest and say: Mister your done, grow up…you…Frat Fag and start working like a God fearing man and with your family and country\’s best interest. If you don\’t I will start making your life a miserable hell!!!
Unfortunately, you are correct.
What can we do to TRY to make a difference?
If we do not change their evil ways,
our children and grandchildren will not have a fair shot in life.
There is a lack of Honor, without
character.
Martha Stewart whom had never had a traffic ticket, went to prison for saying NO when they asked if her stock broker phoned her. Example of what can be done if they are out to get you.
Here you have a strong successful businesswoman, that remained loyal to the end. She refused to Rat her friend out. Very Few men would have denied that phone call. She paid the price but the truth was, she remained a loyal friend and went to prison because of her loyalty.
The system wanted her, they resented her & her power so…they got her.
If I were her I would spend the rest of my money investigating the closets of the men who took her down. I bet their closets have dead bodies in there and not just skeletons.
The largest USA Industries are the ones that make the wheels turn…
Banking, Insurance have taken our money and our power too.
Without us, the taxpayers, they would be nothing.
We have the power but we don\’t use it.
We must stand UNITED, as ONE….
One Nation Under One God with your choice of religion.
If there were a reason Why God allowed Katrina…
make us stand together, UNITED…
FIGHT FOR JUSTICE 4 ALL.
Get out of Iraq because Charity begins at Home. We have our own problems.
We Are Americans, This is Our Land.
Land where our Fathers Died,
Land where our Children should be Proud
THEY CAN\’T DO THIS IN AMERICA!
WE MUST FIGHT TO THE END.
State Farm is refusing to pay for wind damage in MS….
$0 Structure/Bldg.
$0 Loss of Use
ANPAC is refusing to pay in New Orleans
Leaking Roof, Broken Windows, Walls cracking but they want FEMA to cover the damage, using water.
I have read my policy, they are cheating us. I just went with Scruggs to sue State Farm in MS, and I just sent a complaint to DOI & A/G in LA against ANPAC.
Took over 4 months to pay for my SLK Mercedes that was in my driveway.
The only people who called about the car was the salvage company ANPAC sold the car to. I told them I would not release the car until I was paid. The finally quit calling when I told them that the police put the vin in the computer and tagged the car as flooded.
I had to scream & curse the ANPAC rep for slow paying.
The bonus is the car is still in my driveway. I am going to charge them storage fees.
Trust me, it\’s the ultimate betrayal
and we still have to bay the SOB\’s when we cant live in the home and we can\’t collect wind damage claims.
United States of Russia ???
i have lived on the Texas and Florida coast lines by choice, knowing full well that i could be wiped out at any moment.
insurance policies are pretty clear (at least they were clear to me). big wave comes, washes house off slab, not covered by insurance policy. need flood insurance. seems that my parents made me read the fine print so i knew the danger of living on the coasts.
are there insurance companies that will do anything they can to avoid paying a claim, sure there are. but that holds true in any line of business. be it war protesters (why is that in this thread anyway?) or widget makers who will short the product for profit.
Please think of the consequence of what your asking. Whatever happens to State Farm, the entire insurance industry is watching. If no one can buy insurance, then no one will be able to get a mortgage. I am from Florida, and there are parts of Florida where NO insurance company is covering for wind damages. Florida had to create Citizens Property Insurance. It is a state run insurance. Where premiums for wind is 4x to 6x greater than homeowners insurance. You don\’t want that for your state.
NEW ORLEANS — An Orleans Parish Civil District Judge cancels court to accommodate the NFC Championship on Sunday.
Judge Ernest L. Jones signed off on a defense motion to delay the trial for two days \”in order to accommodate all fans, including the great majority of the jury pool, the parties involved in this case and the counsel involved in this case.\”
Whether the Saints win or lose Sunday afternoon at Chicago\’s Soldier Field, a full complement of potential jurors might not show up for duty if the trial went ahead on Monday.
In the asbestos-related case, the plaintiffs are seeking damages from a list of defendants that includes six companies, one of them Avondale Industries.
FEMA can sell 1 Policy
that includes any and all damage resulting from a natural disaster & without exclustions.
Homeowners will have 100% protection without one calculating exclusion.
Guaranteed to be paid by our own USA.
If America can afford to spend
$2 Billion/Week in Iraq… then
We best be able to afford to
keep our homes.
This is what our men died for.
Liberty & Justice for Americans First
All = We, The People of the USA
Step Up & Stand Up for One Another!
I SAY…TAKE THE BUSINESS AWAY FROM THEM.
We Will Not Be Held Hostage!
ASK YOURSELF: WHAT COULD POSSIBLY DAMAGE YOUR HOME, check the policy.
I REFUSE TO BE HELD HOSTAGE BY ANYONE!
Since I was a child, My brother started blackmailing me.
I got so mad, that I told on myself.
He got the same punishment as I did.
What will we be loosing? What do you fear?
We will save money & have better coverage.
FEMA does not want to profit or trick us out of one dollar.
They paid 100%, without 1 denied claim
We need change before another Katrina…
My Fellow Americans…I don\’t have much longer to live on this great land.
I am trying to help you & I to pave the way for our future generations. May they learn from out mistakes. May they become stronger & wiser.
Families are in trouble. We need to do something while we are still alive.
Perhaps going back to the original plan.
The way we were taught to live…
with the original 10.
10 Commandments that is.
All Instructions left from God.
How to treat your neighbor.
Ironic he already etched the good neighbors in stone.
It\’s not about religion, or politics.
It\’s about the spirit of the American
People.
Bring back Honor & Pride, then send the rest to Iraq.
No business can thrive or even survive if its contracts are negated willy-nilly. The people of Mississippi have chosen to attempt to do that. If the exclusion for flood whether driven by wind or not is negated, there is no choice but to cover neither.
Premiums for risks undertaken are underwritten based on the contract, not what public opinion cries for after an event. If the contract is negated, the premium charged was insufficient to make the business profitable. When the business is unprofitable the insurance company quits writing the business or leaves the state entirely.
Like a good neighbor … blah blah blah
I would expect no less from the band of criminals at State Farm.
If I had State Farm as my neighbor. I\’d move! I dealt with them and Farmers after the May 3rd tornadoes in Oklahoma. The way they conduct themselves is more like organized crime than as legitimate insurance companies. It\’s simple the insured pays a premium to transfer the risk. The risk is transfered. A loss occurs. Pay the claim. It is just the most deplorable behavior to claim that the carriers are just showing good claim practices when they attempt to legally cheat the insured\’s out of the money they are owed. I dealt with both carrier\’s experts. Both would make grand statements not supported by their trade or the meteorological data available.
The flood exclusion has not and is not likely to be negated. Judge Senter has been pretty clear about that. But neither can they simply lay off all damages as surge/flood. What is probably on the table is what came first wind or surge and to what degrees they damaged some homes. In my personal case I made a successful claim of substantial damage hours before the surge arrived. Did I receive full compensation for my structure and contents…NO>..and I shouldnt have. But I did recover what was a comenserate amount based on what we could prove.
My point here is that State Farm, and others are simply cherry picking. They want the easy risk business but dont want the business with more risk. I am of the belief that companies if they choose to do business in a state should be obligated to write business throughout the state.
As to the criminal misconduct possibly of State Farm in falsifying engineering reports, that is yet to go to court but I suspect some SF heads are going to roll over this.
Exactly. If the insurance companies want to pull out during risky times then they and their intenties should not be able to ever write in that state ever again.
I hope I win the lottery because I would post banners and advertise factual and unethical issues against this carrier in every state and disclose how some of the humans that work for SF are criminals. I would pay to have them charged like the Eron \”good-ole-boys\”. Oh, sorry, it\’s State Farm – I mean the \”Lesbian Squad\” and \”Menopause Ladies\”. This undeserving female leadership is running the interior of this company, to the ground. It is forcing the brave and mature men of the company with excellent leadership to act like \”***** boys\”. Subservants to the feminist enterprise environment that forces these men of action to manage their people with concepts like \”The squeaky wheel get\’s oil first\”. True manly leadership would lead their people by sayiing \”I will make sure my people never squeak because I will always be providing them with the proper supplies, to do a great job\”!!!
They Only \”Consider\”….
Payment for Damages
Above The Water Line….
Minus Depreciation
No Water Line=they pay $0.00
Loss of Use: Paid $0
Wind Damage: Paid $0
EXAMPLE:
Monthly Rate: $108
Insured Amt: $50,000
Policy Ded: $2,000
Hurricane Ded: $5,000
$8,000 Deductible $50,000 Policy
Over $1,200 per Year and they denied all Katrina claims….
If they won\’t pay for a category 5,
what makes you think they will pay you for one less than Katrina?
Demand Justice or it will happen again…
Send the Insurance Industry to IRAQ…
and Bring Our Boys HOME!
We have our own wars in America.
Fighting for rights of innocent Americans that Paid and Trusted Insurance Companies to Financially Protect their Homes…
Pirates!
They were worst than Bin Lauden…
He did not pretend to be American &
We Never Trusted Him.
PAY US OR LEAVE THE USA…
LET FEMA SELL HURRICANE INSURANCE.
WIND AND/OR WATER DAMAGE.
The USA should walk in & freeze State Farm & assets, just like they do Americans that avoid paying Income Tax.
They lied. They Cheated. They Stole…
From the good American Homeowners, who put them in the top 5 USA Companies.
How can anyone allow this, cover this up
or look the other way?
This is America. This is Our Land!
They can\’t do this to us.
The Truth Will Prevail…
Ted…
I agree with exposing State Farm, Enron, Good Ole Boys, etal Corruption.
however, sex has nothing to do with this,
Men have dropped the ball and let their wives bring home the bacon.
Women are making more because they are working more & they care about making a difference.
Men are taking naps, because they can.
It is the Men that have been running USA and our country, our families are in deep trouble. We need to put Prozac in the drinking water.
Everyone is coping…
I find the majority of women are too scared to accept a bribe, so they are more honest then most of the men that have stuffed their pockets for years, making deals in the lobby, hiding behind robes and from the White House to our Bedrooms and not limited to:
Cash in the freezer but re-elected…
Seems Men do not care about honor anymore.
Money Screams….
Running A business is a cake walk compared to being married to a selfish man….. A nice office, Designer Suits, Gucci Handbags, Lunch & Picking up the tab is much more fun than raising a family and you get paid, rewarded for working outside the home.
Inside, it\’s eat your spinach, take your bath, do your homework, clean your room, your father is not home yet..BlahBlahBlah
Women bring home the bacon, fry it, serve it, clean the mess and provide everything that a man needs from Love, sex, nuturing, and advice from a woman\’s intuition, paying the bills and raising your children. Leave Sex and Race Out of this one.
What do men offer in return?
We are lucky if they come home to eat.
I give you that, I stand corrected. The men in leadership today are not our grandfather\’s father. They stand on the shoulders of past giants. The only reason they think they are successful is because of the process, the check and balance, the engineers nirvana, the redundant check list that makes them succeed. Even a Caveman could do it! as long as the process eliminates their human error, corruption and laziness.
These men and women leaders of today have no idea the kind of men and women that lead this country. They were: God believing, humble, great husbands, wives, mothers and fathers, charitable and mature, with a purpose for the betterment of our country.
Today, these men are immature boys, self-centered, self-seeking, narcissistic that seek to live a criminal professional life and personal life of shame in the shadows. These modern men are just undeveloped, unrefined frat boys, functioning addicts, alcholics, they marry porn stars or at best marry a trophy wife that is as shallow as a stick (paper doll with a painted on smile). If, this kind leadership is in charge of American Enterprise how can we expect anything less from these companies except for these companies to do exactly as a their leaders. Today, these American companies make ignorant, short range, immature and narcissistic decisions.
I wish the good wives of these bad men would light a cigarrette in bed and role and (burn) put the cigarrette out of their husband chest and say: Mister your done, grow up…you…Frat Fag and start working like a God fearing man and with your family and country\’s best interest. If you don\’t I will start making your life a miserable hell!!!
Unfortunately, you are correct.
What can we do to TRY to make a difference?
If we do not change their evil ways,
our children and grandchildren will not have a fair shot in life.
There is a lack of Honor, without
character.
Martha Stewart whom had never had a traffic ticket, went to prison for saying NO when they asked if her stock broker phoned her. Example of what can be done if they are out to get you.
Here you have a strong successful businesswoman, that remained loyal to the end. She refused to Rat her friend out. Very Few men would have denied that phone call. She paid the price but the truth was, she remained a loyal friend and went to prison because of her loyalty.
The system wanted her, they resented her & her power so…they got her.
If I were her I would spend the rest of my money investigating the closets of the men who took her down. I bet their closets have dead bodies in there and not just skeletons.
The largest USA Industries are the ones that make the wheels turn…
Banking, Insurance have taken our money and our power too.
Without us, the taxpayers, they would be nothing.
We have the power but we don\’t use it.
We must stand UNITED, as ONE….
One Nation Under One God with your choice of religion.
If there were a reason Why God allowed Katrina…
make us stand together, UNITED…
FIGHT FOR JUSTICE 4 ALL.
Get out of Iraq because Charity begins at Home. We have our own problems.
We Are Americans, This is Our Land.
Land where our Fathers Died,
Land where our Children should be Proud
THEY CAN\’T DO THIS IN AMERICA!
WE MUST FIGHT TO THE END.
I had flood, they paid.
State Farm is refusing to pay for wind damage in MS….
$0 Structure/Bldg.
$0 Loss of Use
ANPAC is refusing to pay in New Orleans
Leaking Roof, Broken Windows, Walls cracking but they want FEMA to cover the damage, using water.
I have read my policy, they are cheating us. I just went with Scruggs to sue State Farm in MS, and I just sent a complaint to DOI & A/G in LA against ANPAC.
Took over 4 months to pay for my SLK Mercedes that was in my driveway.
The only people who called about the car was the salvage company ANPAC sold the car to. I told them I would not release the car until I was paid. The finally quit calling when I told them that the police put the vin in the computer and tagged the car as flooded.
I had to scream & curse the ANPAC rep for slow paying.
The bonus is the car is still in my driveway. I am going to charge them storage fees.
Trust me, it\’s the ultimate betrayal
and we still have to bay the SOB\’s when we cant live in the home and we can\’t collect wind damage claims.
United States of Russia ???
i have lived on the Texas and Florida coast lines by choice, knowing full well that i could be wiped out at any moment.
insurance policies are pretty clear (at least they were clear to me). big wave comes, washes house off slab, not covered by insurance policy. need flood insurance. seems that my parents made me read the fine print so i knew the danger of living on the coasts.
are there insurance companies that will do anything they can to avoid paying a claim, sure there are. but that holds true in any line of business. be it war protesters (why is that in this thread anyway?) or widget makers who will short the product for profit.
the fact is, READ YOUR POLICY>>>I DO.
Hey State Farm..
Adios, Good bye, See Ya, AMF….
Lets\’s try to become Self Insured.
Can\’t loose anymore than we did being insured with State Farm.
Please think of the consequence of what your asking. Whatever happens to State Farm, the entire insurance industry is watching. If no one can buy insurance, then no one will be able to get a mortgage. I am from Florida, and there are parts of Florida where NO insurance company is covering for wind damages. Florida had to create Citizens Property Insurance. It is a state run insurance. Where premiums for wind is 4x to 6x greater than homeowners insurance. You don\’t want that for your state.
NEW ORLEANS — An Orleans Parish Civil District Judge cancels court to accommodate the NFC Championship on Sunday.
Judge Ernest L. Jones signed off on a defense motion to delay the trial for two days \”in order to accommodate all fans, including the great majority of the jury pool, the parties involved in this case and the counsel involved in this case.\”
Whether the Saints win or lose Sunday afternoon at Chicago\’s Soldier Field, a full complement of potential jurors might not show up for duty if the trial went ahead on Monday.
In the asbestos-related case, the plaintiffs are seeking damages from a list of defendants that includes six companies, one of them Avondale Industries.
WE ARE AMERICA! STAND UP FOR EACH OTHER
JUST DO…WHAT IS RIGHT!
FEMA can sell 1 Policy
that includes any and all damage resulting from a natural disaster & without exclustions.
Homeowners will have 100% protection without one calculating exclusion.
Guaranteed to be paid by our own USA.
If America can afford to spend
$2 Billion/Week in Iraq… then
We best be able to afford to
keep our homes.
This is what our men died for.
Liberty & Justice for Americans First
All = We, The People of the USA
Step Up & Stand Up for One Another!
I SAY…TAKE THE BUSINESS AWAY FROM THEM.
We Will Not Be Held Hostage!
ASK YOURSELF: WHAT COULD POSSIBLY DAMAGE YOUR HOME, check the policy.
I REFUSE TO BE HELD HOSTAGE BY ANYONE!
Since I was a child, My brother started blackmailing me.
I got so mad, that I told on myself.
He got the same punishment as I did.
What will we be loosing? What do you fear?
We will save money & have better coverage.
FEMA does not want to profit or trick us out of one dollar.
They paid 100%, without 1 denied claim
We need change before another Katrina…
My Fellow Americans…I don\’t have much longer to live on this great land.
I am trying to help you & I to pave the way for our future generations. May they learn from out mistakes. May they become stronger & wiser.
Families are in trouble. We need to do something while we are still alive.
Perhaps going back to the original plan.
The way we were taught to live…
with the original 10.
10 Commandments that is.
All Instructions left from God.
How to treat your neighbor.
Ironic he already etched the good neighbors in stone.
It\’s not about religion, or politics.
It\’s about the spirit of the American
People.
Bring back Honor & Pride, then send the rest to Iraq.
Charity…begins at home…
We need a new policy that covers all the exclusions that our good neighbors won\’t.
Self Insured: City/State
FEMA: Sell Hurricane Insurance
Including Wind & Water
We need a change before another Katrina.
I will not be able to survive the aftermath again.
God Bless America!
He\’s Mad too.