Maybe this suit will cause further investigation into State Farm such as their perjury to the IRS allowing them (State Farm)to avoid state and federal payroll taxes on approximately $3 Billion of annual payroll. It may also make State Farm disclose to its own agents they (the State Farm Companies) have been found to have breached the agents contract (Case #C050591 Calif. Appellate Court, Third Disrtict). This opinion on the breach of contract was final approximately April 2007 but State Farm has yet to notify its agents of this breach.
And the point of this is?? Any large company has made mistakes. You assign a sinister motive to a loss in court. That they lost of course means a vast conspiracy to cheat everybody. Well, as gill brought up, their satisfaction rate is extremely high, probably much higher than the satisfaction rate your customers or bosses have with you. Many times I agree with you, but you need to lighten up on the State Farm attacks. It just makes you look like as big a loon as Rosie or Melanie. Find a company that hasn’t been sued and lost on occasion and let me know about it.
Oh, by the way, I’m not a State Farm apologist. I couldn’t care less about them. I just tire of the incessant attacks some of the posters on this site seem to feel are justified. Shrill and whiney constantly.
Perhaps one of the attorneys reading this article can help me. I thought RICO was a criminal law approach to nab ‘bad guys’. If that is so, how can D. Scruggs use this approach? Shouldn’t a States Attorney or DA etc be the one filing suit?
If you call this mistakes then you must think that OJ carved up Nicole & Ronald Goldman by accident.
Give me a break.
Fraud is Fraud. No sugar coating allowed.
It’s like sying I am just a little bit pregnant.
As far as State Farm having a high satisfaction rate…. lol
This is the block of business that never had to MAKE A CLAIM.
Show Me The Satisfaction Rates for the People Who Had To File A Claim.
Selling a Hurricane Policy without Hurricane Protection is not a mistake.
Blaming Water for Katrina was not a mistake.
Denying claims for Katrina was not a mistake.
Turning their back on their Clients when they were left homeless…not a mistake.
Living Expenses defined as ACTUAL LOSS SUSTAINED? What does that mean?
Still no straignt answer and this is not a mistake.
Trying to block the investigation…
not a mistake.
Telling Agents to shred out dated documents…not a mistake.
Any Company that tries to defraud Americans should be nailed to the wall.
No Deals!
Don’t want anyone to go to jail, I would just like to see some Honor in mankind.
The Industry makes enough money to be good to their clients.
This is about power & greed of money.
Shame on anyone that tries to cover this up.
We are working people. Decent and our blood is all red. Help each other and stop trying to get over on your neighbor.
I just cannot understand why the apologists continue to fail to acknowledge that State Farm has been found guilty and everything they do from the point of the 1st judgement against them is an acknowledgement of their widepread guilt. Re-opening 35,000 claims tells me that they have only legitimately settled only 35-40% of their claims, and 0% of claims within 1 mile of the coast, contrary to their own figures of 99%. Their lies show on them. And being a career adjuster, their approach was not legitimate from the start and they knew it.
The Mob was rubbed out by Politicians.
Now called Political Rings.
It’s not organized crime anymore,
it’s called corruption.
RICO is now Legislative Meetings.
Sometimes they call in a special session.
All the corrupt officials gather together.
Need a favor…Consider it done.
Contribute to campaigns makes you one of the gang.
Duh, The Insurance Industry throws
money around and that is why there are
no State Regulations preventing them from
Screwing the American People.
The only Regulations that we have is
Regulations that Protect the Finances
Of the Industry.
Know too much or Cross the line and
You end up on a milk carton.
Too bad for Jimmy Hoffa, back in his day
the milk came in clear, glass jugs and not
A paper carton.
they should also be looking at other State Farm claims in other states as well. I know of one claim where the adjuster agreed the damage was related to flood but since State Farm is a WYO for flood, they sent Rimkus Engineering out to say it was not flood related.
Calm down a little bit KD. Don’t want you to have a heart attack here on this board.
I do not know all the facts in this situation. However, I feel sure that State Farm has done all they could to minimize paid claims, and I am also sure that when an ambulance chaser like Scruggs & his firm speak they never let the facts get in the way of their argument. Also, based on the judge’s contempt charges against Scruggs, he obviously has not acted in the best of faith.
Lawyersatans looove to use RICO in civil cases on a contingency basis, given the treble damages feature. Even Planned Barrenhood used it against prolife demonstrators, which failed thank God. It was designed to be used against the mob. If this is successful will State Farm be shut down as a “corrupt organization”?
God forbid you joke about this situation. Worse than the Holocost. Kill them all, don’t put them in jail. We have some really wired posters on this site. As I said elsewhere, these awful insurance people are guilty until proven innocent according to the Rosie’s of the world. Let them prove their case/or not. Facts Rosie lovers, try one sometime.
then sign me up for neck removal. What could be funner than forcing people to buy from
State Farm (well, why else would they?),
then stay with State Farm for 20 or 30 years like most of my clients, then force them to report 99% satisfaction with claims handling like they do. How fun to be so devilish. And what a clever disguise, acting like coaches, volunteers, civic leaders etc. Who would ever know what REALLY bad citizens we all are. And how great all those are who judge us.
I’ve been with State Farm for 36 years. I have never had a moment’s problem with claims, and I have filed my share. I have a court date Monday for a vandalism restitution claim, and they’ll be there with me. People hate State Farm for the same reason they hate Wal-Mart: success.
All those stupid people who shop at Wal-Mart and are insured with State Farm just don’t know how unhappy they really oughta be.
Rick – I think pedophiles have more principles than Scruggs.
Aunti – generally i like you but comparing katrina to the Holocaust (check your spelling dearie) is despicable. Kartina is like a mosquito bite on an elephants rear compared to the Holocaust. Shame on you!
I was being sarcastic. Sorry for that inappropriate reference and for the poor spelling on a couple posts today. Is it me or does it seem like all the loons are out today? Must be a boring Thursday.
Surprise!!! Surprise!!! State Farm has been found guilty with punative damages awarded in both OKLA and MISS. Why can you not understand this concept? State Farm lost and the plaintiffs were awarded PUNITIVE DAMAGES for State Farm’s deceptive practices. These additional suits will be settled before they are again hit with PUNITIVE DAMAGES and no one will ever know the payments made and State Farm will buy their way out of BAD FAITH, when they could have avoided all of the problems by acting honestly from the start.
Read the real story the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.
the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.
the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.
State Farm caused this entire show.
They are the reason why This Industry is being investigated.
Don’t even try think that you are better than and don’t ame this on Scruggs or the Policyholders.
Scruggs did not accept money from you nor did he cheat you out of one cent.
When you tell one lie, you have to tell two.
State Farm is exposed with lie after lie.
I am sorry if you believe we are shallow for saying the truth.
The bigger they come, the harder they fall.
Whatever You do, Will Come Back To You.
It just takes time.
When MS is finished nailing State Farm to the wall, The Company will be renamed
State-Pen, doing time on the farm.
Please, stop trying to sugar coat the truth. I guess you think you are one of the honest ones in the business? lol
The Insurance Industry has 0 loyalty to the policyholders. They screw you and offer a guarantee of Annual Rate Increases with more exclusions.
How can they stay in business that long?
Because they do not have any regulations because they own politicians.
They refuse to explain the policy on one page, and that is because no one would want to pay for a policy without coverage.
Stop wasting our time with more BS.
We are up to our eyeballs with deception, lies and betrayal. If you can’t be honest, stay off this site.
My there seem to be a lot of apologists on this site for the Scruggs Katrina Group. Let’s see, would that be the same outfit that just had criminal contempt charges filed against them for their acts in this mess? I’m sure there are two sides to every story, including State Farm, but what the federal judge had to say about Scruggs was not very flattering.
Scruggs isn’t lily white, but he has uncovered some less than flattering things about SF. How doyou apologists get around a pattern of abuse and PUNITIVE DAMAGES? My eyes will not shut that tightly; so as to ignore that which is so blatant. The main difference is that Scruggs is working after the fact of SF mis-deeds and SF did what they did, intentionally, knowing they were wrong!!!
State Farm denied claims. Big Whoop. Every insurance company denies claims. Insurance companies have a responsibility to their policyholders and/or shareholders to minimize losses to the “Actual Loss Sustained”. Blindly paying for any/all claims made would either drive the company out of business or drive rates up so high that no one can afford them.
There is a reason that there are so many exclusions on the normal HO policy. There are a lot of things that are either uninsurable or better covered by a different type of policy, FLOOD being the best example. Even SF’s concurrent causation clause makes sense if you look at it logically. If the adjuster is unable to determine how much damage was caused by wind because the house was razed by flood waters (storm surge), how exactly are they supposed to determine the correct amount to indemnify the wind damage?
Most insurance employees are ethical, moral people. How long do you think a company could stay in business if they constantly screwed their customers? There is enough competition out there to take advantage of any situation like that.
Mr. Freed – Please note the following FACTS, and too, try to keep in mind that you and your associates should not make claims that are not true, since that would be “perjury” in the court of public / consumer opinion, and the in the other court setting.
Too, even though it is not a new thought, please remember that ones can be illegally taken advantage of only so much anymore now that the internet exists’ and by which existance helps unlock and expose corrupt cooporations “secrets”, and the people that knowingly support them…
__________
A new twist to State Farm and Allstate’s hurricane Rita damage UNDER-assessment schemes is to (falsely) claim that wind debris damage to asphalt / fiberglass roofing system shingles, is not really damage they insure for.
They now claim that when wind borne debris (sand, pebbles, twigs, vegetation, dirt, neighbor’s roof granules, etc.) strips off shingles granular surface component, sometimes even down to the fiberglass matting, that that abrasive striping of the shingle…is not (wink-wink) reallllyy shingle damage.
Another (false) claim they both are spreading, (Allstate through Pilot Claim Service adjusters), in and around the Beaumont Texas region, and in Florida, is that the tar sealant bond that keeps one shingle attached to the one below it, is also not (wink-wink) reallllyy shingle damage when wind lift breaks the bond.
(Only naive, uneducated and tired policyholders believe, or “accept” that damaged property assessment double-speak nonsense…)
As wind loads break apart a shingle’s (factory engineered and wind warrantied) tar sealant bond, and leaves behind debris under the shingles, the heat from the sun commonly causes the debris to become attached to the tar and commonly prohibits the shingles from (thermally) sealing back together…a blatantly factual and obvious danger to the home / business structure, and to the future welfare of the inhabitants of the structure…especially along the hurricane prone Gulf Coast.
To help Allstate / Pilot Claim Service and State Farm (permanently?) correct their shingle wind damage assessment errors, and voluntarily reopen untold thousands of claims incorrectly assessed, and to help the general public receive a reasonable shingle roofing system wind damage assessment review from insurance adjusters, the following fresh technical information, received from a credible and proven shingle manufacturer, is provided for the general public;
__________
TECHNICAL BULLETIN – HURRICANE EXPOSURE
The process of detecting and evaluating damage from hurricane exposure is subjective at best, and often everyone involved may offer a different assessment.
Damage can range from wind uplift, shingle loss, broken sealant bonds, granule loss, external sources, and may not be readily apparent.
However, even small amounts of damage can harm the surfacing material, leading to deterioration of the shingles months or years later.
GRANULE LOSS
Regarding damage to the embedded granule surfacing in the asphalt top coating, hurricane wind exposure can result in varying degrees of granule loss.
Hurricane wind exposure loosens the granules, potentially allowing the granules to separate from the coating layer and wash off the roof.
Without the granule surfacing, the asphalt top coating is exposed to ultraviolet radiation from ordinary sunlight and will eventually deteriorate, exposing the fiberglass substrate and creating a leak potential.
If a shingle indicates outward damage, the underlying components may be compromised and affected to some degree.
The extent of granule loss resulting from hurricane exposure is influenced by, but not limited to, the following:
1. Age of the product.
2. Force and duration of winds and wind driven rain.
3. Type and amount of wind driven debris.
4. Orientation and slope of the deck in relation to winds.
5. Amount of foot traffic.
BROKEN SEALANT BONDS
When sealant bonds are broken due to hurricane winds, it is possible, but not likely, for shingles to reseal.
The subsequent strength of resealing, if any, would not be as strong as the initial thermal bond and would be contingent on, but not limited to, the following:
1. Age of the product.
2. Time of year and amount of exposure to ambient temperatures.
3. Length of time before shingles are exposed to subsequent high wind events.
4. Orientation and slope of deck.
5. Stress and strain on the shingles due to exposure to sustained high winds and/or deck movement.
6. Number, placement, type, and length of fasteners.
7. Contamination to the sealant bonds by dirt, debris, or other foreign substance.
8. Condition of the underlying deck or underlying shingles if a roof over.
In accordance with the terms of the limited warranty, there is no coverage for damage caused by hurricanes.
Shingles in hurricane areas will continue to carry the limited warranty for manufacturing defects and remaining limited wind warranty.
Any damage relating to conditions caused by a hurricane, including granule loss, breach of the seals, nail tears and other structural damage, will not be covered by the limited warranty or limited wind warranty at any time.
Large premiums + large deductibles + large depreciation factors + untrue loss values + irresponsible and life endangering claim loss damage assessment conduct = Minimal claim loss payouts, and Grrrreat!!! 2003, 2004, 2005, 2006, 2007 “Loss ratio” profits…
Too bad for some insurers, agents, and adjusters, that a thing called ‘Market Conduct Examinations’, periodically performed by (honest) insurance regulatory market conduct examination professionals, and others, is not going to kind to them, or to their market investment support…
Think about that the next time you see a ad from an insurer that wants you to trust them with your family’s welfare, and your money.
Make sure they do not (cleverly) steal either…
__________
For those that would like to review detailed and documented Allstate and State Farm loss claim “adjusting” misconduct that I personally witnessed with my clients, on MANY occasions, on their properties, I can be reached at-
it a rest Roger. If the wind was so strong as to unseal the shingles and lose garnules, why did it not damage the shingles in other manners? Just as tread wearing off tires is a sign of normal and espected wear, so is loss of granules a sign of normal wear. All of the shingles I (and most adjusters I have ever spoken with) have ever seen with broken seals NEVER SEALED PROPERLY FROM THE ORIGINAL INSTALLATION, due to improper installation and/or factory defect!!!
no actually that makes you incapable of comprehending the Englsih language. When you are capable of reponding to the post, rather than making it up, I would be happy to discuss it with you. I know it is hard for you not to make it up when the facts do not support your view.
State Farm has breached its own contract with its own agents. Case #C050591 Calif. Third Appellate District. That decision was final approximately April 2007 as the Calif Supreme Court refused to hear State Farm’s appeal. State Farm has yet to acknowledge this to its agents.
State Farm has was found by an Oklahoma jury to have “recklessly disregarded its duty to deal fairly with policyholders” and resulted in a $13 Million verdict.
State Farm paid $3.7 Million to settle an overtime lawsuit with approximately 400 California Claims adjusters. State Farm listed the adjusters as doing administrative work and tried to avoid paying overtime and got caught.
In the Broussard, MCoy, Nicolau and Watkins Cases the jury found for punitive damages against State Farm and used terms such as “recklessly disregarded its duty” and “intentionally and with malice”.
Now there are numerous other cases and others in the process claiming the same type of things being done to them by State Farm. How many verdicts will it take to realize there is a pattern going on here? These were juries that heard the evidence presented by both sides and found against State Farm and felt strongly enough about the evidence that they awarded punitive damages as well.
In addition to this I have the documentation of perjury by State Farm to the IRS and State Farm manufacturing evidence in another litigation. Is there anything State Farm won’t do to get their way?
I comprehend English just fine joe. I didn’t make anything up. I asked if you were a Scruggs apologist (a word that you have used in hundreds of posts, so I’m assuming you know what it means.)
Not much to discuss, & I know what your response would be anyway.
I am officially retiring as a poster on this site. There is no level of intelligent thought on the part of the anti-insurance company group. They just repeat the same tripe over and over. Even those like Adjusterjoe who have at least a little clue don’t understand the business of insurance. If anyone says anything to defend this business they are *&%%^&, pick your insult. I hope their bitterness eventually transfers to some other forum where they can work to tear down others through their ignorance. Goodbye.
You say, “If you can’t be honest, stay off this site.”
In case you haven’t noticed, this is an insurance news web site! If YOU are not in the industry or do not know the industry (which is obvious in your post), maybe you should “stay off this site”!
Well, Roger Poe, the roofing contractor is at it again with his innuendoes and other half truths about roofing shingle deterioration that results from a large number of non-storm related which he conveniently selectively omits.
His attempt to quote Elk Roofing Company’s statement of explanations as to why certain causes of shingle deterioration are NOT covered under their “limited warranty” statements is a “twisting” of the truth as to the real causes of “granular loss”.
Never once does Roger Poe tell the reader of this forum that the most common cause of granular loss is the result of POOR OR INADEQUATE attic ventilation. Folks, check it out yourselves. Just do your research on web-sites of “ventilation” materials manufacturers and, for a second opionion, other roofing manufacturers for their learned comments, and you will come away with a better understanding as to why property insurance companies deny roofing claims for “ordinary wear and tear”, as this condition predates the storm activities. The “build-up” of attic heat literally “bakes” the underside of the roofing shingles causing the embedded tar in the shingles to dry out, allowing the “seal-down” sealant to break its bond, and the granular coating to also break its bond and wash off by normal rainfall.
Also, fiberglas/asphalt composition roofing shingles are more susceptible to deterioration from high humidity and huge amounts of rainfall in the southern states than the drier areas of the country. To see this in action, just look at this type of roofing where large shadetree branches grow over the front and back slopes of dwelling roofs. The sun never shines on the roofing long enough to dry out the shingles before the next rain. These water logged shingles literally “rot” from constant moisture. Moss growths are also found to form on wet shingles.
I realize this post is indirectly off point from the State Farm/Dickie Scruggs battle, but it is a rebuttal of strong MISINFORMATION posted by Roger Poe.
And YES, I’m a defender of the Property Insurance Industry because, as one poster previously stated, not all claims are payable because they are not “insurable” events, otherwise no one could pay the premium cost for unlimited protection, and we all would be without insurance in time of help (not profit).
I’m glad that the whistleblowers in Louisiana are doing such a wonderful job. A friend of mine is keeping me updated with details and finds that he discovers that brings new flavor to the decimation of the current insurance frauds. I’m glad that people are doing something about the crooks that survive among the good people of the nation. What makes me the most happy is that up north here in Pennsylvania I’ve began telling all sorts of people including some of my family who are also lawyers which practice in Philadelphia, every bit of information I can from my friend down south. Everything that I hear to bring these crooks down I throw around to the folks up here hoping that they tell their friends and so on and so forth. I sincerely feel that in the near future after all the congressional hearings and all the ******** that there might be a federal insurance reform. Our program today really isn’t so bad however the crooks who run these business really are hurting innocent people who elect to purchase insurance from the “little guy”. I’m in full support with Scruggs on this one and State Farm, yall better just bow down and kiss yer asses goodbye… If our government don’t see that you cheated the thousands of people, well God will. What are you going to say to him when confronted? Goodluck to those pursuing redemption and god bless.
Has the industry not done it to themselves. When I started back in the dark ages, there were many standard fire policies written. There were many HO-1 and HO-2 policies written. Carpet was ACV. Many roof provisions were ACV. Fences were not coevred for wind. Awnings and screens were not covered for wind. Falling objects were just that, not wind blown tree limbs. And to be competetive, the standards for HO-3 and HO-5 were lowered as well as premiums. Underwriting is limited these days to loss history. Companies appear to be subscribing to the Warren Buffet philosphy; “Take in enough premium to finance your companies and don’t worry about the loss ratio unless it exceeds 110%.”
So sad all lies Comment:
many (uninformed) people’s idea of insurance is “I have insurance for something will if you have State Farm you will be lie to over and over this is state farm history.
The Insurance Industry has 0 loyalty to the policyholders. They screw you and offer a guarantee of Annual Rate Increases with more exclusions. You can Call Mr Rust, Like I did Over A year ago. ” IF THOU CAN BELIVE< ALL THINGS BECOME POSSIBLE TO HIM THAT BELIVETH. MR Rust out west we belive in the good guys we make phone calls when someone dose us wrong. I call your office of over a year, 2/3 time a day. All I want to do was tell you the way your people play with my life, to no a vail. May be if you would have this compay would not be in so deep.
Posted By: Bill
Comment:
Oh yes, if it’s on a website it’s the gospel truth! Give me a break!
mR bILL THE WEB HAS ALL COURT FILES WHY TO YOU THINK GONZALES WANT,S TO STOP ALL THE INF.SAY IT,S FINGER THE REAL BAD GUYS ! WE FIND THEM BUT NO ONE WILL TAKE THEM ON OH BUT WANT MR HOOD- I GUESS GONZALES FOR –GET MR HOOD IN ALL THE M-S YOU CAN NOT STOP PEOPLE OUT SIDE THE WEB MR GONZALES SO HOW ABOUT GOING ON YOU PALYDAY!!! FOR THE PUZZLE IS HOW CAN YOU DO YOUR JOB gONZALES— MR RUST IS YOUR FRIEND. nOT THE PEOPLE WHO HAVE BEEN SO HARM BY THIS FOR-OVER A YEAR – I CALL FOR HELP TO YOUR OFFICE BIG JOKE. I WAS TELL YOU DO NOT DEAL WITH INS FRAUD OF THIS KIND IN ALL OF MY CALLING THAT I MAKE FOR OVER A YEAR 3/4 TIME A DAY NO ONE DEALS WITH THIS KIND OF FRAUD WHY IS THAT I ASK PUT THE PUZ. OPEN YOUR EYES COUNTRY.
Posted By: Mr. Obvious
Comment:
State Farm denied claims. Big Whoop. Every insurance company denies claims. Insurance companies have a responsibility to their policyholders and/or shareholders dEAR mR OBVIOUS YOU USED POLICYHOLDERS WOULD THAT BE ?ME. cOULD YOU TALK TO ME ABOUT WHY IT,S OK TO PAY THIS /?? HARD EARN MONEY– OUT TO T-I-S
I happen to work for a company that is well known for finding coverage for our insureds when legally their is none. Our insureds pay a higher premium than our competitors, but they get treated better too.
It appears that many (uninformed) people’s idea of insurance is “I have insurance for something, when something happens, I should be paid” without remembering that they chose the chevy premium, and declined the rolls royce premium.
Hurricane force [74+MPH] winds PLUS 25%+ higher wind gusts and other individual “winds within the wind” commonly create a environment that by its very nature is abrasive to roof coverings and other structural components.
Flying micro-projectiles (dull, sharp, or otherwise) leave their own unique “fingerprints” on surfaces, such as fiberglass shingles, painted surfaces, guttering surfaces, window frames/glass, AC Unit cooling foils, garage doors, fencing finishes, vehicles, etc.
The older the roofing system, the more clear the effects of the wind generated abrasive action.
Forensically these abrasive “fingerprints” are VERY different from heat and moisture damage.
After witnessing at least 12 catastrophes [that I too have witnessed] ones can be certain that Allstate and State Farm know these actual loss claim issues quite well.
In fact, bizarrely, the tar sealant bond damage was recognized in Louisiana after hurricane Katrina, but not in SE Texas after hurricane Rita.
Also, critically high wind detaches a shingle from the one below it by pushing/pulling on the outside ends of the shingle, eventually BREAKING the tar tab bonding material that is designed to create a monolithic wind/weather tight roof covering.
That type of “unordinary” high wind induced damage, verses long-term “normal” environmental “wear and tear” damage is VERY different, forensically.
Too, suddenly, PARTIALLY, and consistently uniform/detached shingles lifted on one end by the directional winds, and shimmed up with wind borne debris, creating a visual/physical “zipper” effect is not to be mistaken with long term ‘heat build-up’ or ‘moisture’ damage markers.
ALL in place/post high wind storm affected roofing systems should be HAND checked (by a seasoned post storm construction professional) for their ACTUAL physical integrity, as they very may not make it through another critical wind/storm event, and all that that can mean…
Admittingly I don’t know it all “Pops”, however I myself don’t attempt to give anyone misinformation, and like yourself, also encourage ALL insurer trusting consumers to research even your “facts” so as to weigh out what manufacturers and nature and their own home have to say about actual post hurricane/wind storm damage, verses everyday damage.
THE POLICY IS WRITTEN TO DEFRAUD HOMEOWNERS.
A Clever layout of benefits with loopholes written to disguise facts.
A Successful, Planned, Layout, Composed to DEFRAUD, Usually referred to as IGNORANCE OF THE INSURED which is one of the largest money makers for the Insurance Companies.
Why did State Farm Refuse to Explain the Benefits on the 1st Page?
Could it be they did not want the POLICYHOLDER TO SEE THE TRUTH?
The Policy, Your Choice of Hurricane Deductibles BUT NO COVERAGE.
A Planned, Successful tactic used to deceive their own.
You say “uninformed” I say it’s FRAUD!
State Farm, Still Deceptive & Still Defiant.
This too will come back to haunt them, again!
Uninformed, my ***! Shame on you & your family!
please someone Tell about this. Section 1 Liability- coverage A 1. pay damages which an insured becomes legally liable to pay because of; A bodily injury to others, and b. damage to or destruction of property including loss of its use,
I can see by your posting that you can read and write. All you have to do is read your policy “coverages” and connect the meaning of all the words listed therein to form a complete thought to arrive at the meaning of the statements. Afterall, this is the “new generation” easy to read policy language. If that doesn’t work for you, ask your sales agent to explain it to you.
In a nutshell: I worked for the “Good Neighbor” for over 20 years only to be fired the instant my husband (guilty by association, I guess) questioned the “independent” nature of the appraiser who inspected our car damages. Ouch! In light of the Katrina scandal, that hurt! The company alleged that I had provided my husband with “inside” information, as if my husband with two doctorate degrees lives in a cave and doesn’t read what’s all over the news…Wouldn’t State Farm love for every customer to be uneducated and uninformed? Unfortunately, my husband’s “serious accusation” also gave State Farm the perfect pretext to get rid of an old employee like me. Hey, State Farm, after giving you my best, you kick me to the curb. Niiiiiiiiice! (NOT!)
It is shameful and a disgrace when those in a position of power use Nazi tactics to intimidate the “little guy.” This practice deserves severe punishment.
Sorry to hear the pain & suffering from other S/F Victims.
I am a codependent person so it hurts more when I hear others cry.
They have done this to everyone and they will continue unless someone takes them down.
Some people do not like Lawyers and some don’t like Scruggs.
The bottom line is that SCRUGGS fighting this battle for us to win the war.
We need to shout the truth & spread the word so other S/F Policyholders will be ready and waiting for the claims to be denied.
Thank God for the Internet!
The day is near and the time will come.
No one can continue to do this to people and get away with it forever.
The legal battle started on the front lines and behind closed doors when the carrier used a sub-contract expert – of any kind that has the word “Forensic” in it’s name or description of services. The Marrian Webster Dictionary – definition: 1: belonging to, used in, or suitable to courts of law or public speaking or debate. 2. relating to the application of scientific knowledge to legal problems.
That was “strike” 1
State Farm has attempted to blackmail in an attempt to defraud not only but medicare.
Their corruption is like a bad infection that won’t heal…..
My medical bills are approaching 1/2 million dollars and they threaten blackmail if I don’t settle for $10,000.
They are powerfull and we need criminal charges against the attys who defend them and the techniques they use. I lost over $1 million dollars, can’t work, and they are the worst predator I have ever encountered. I am a senior citizens and sick and they have no consideration for the elderly, homeless, broke and ill that their policy holders harm. They also don’t care about their policy holders as in ,my situation the green card holder could be deported for lying oath or lying to the police….
Maybe this suit will cause further investigation into State Farm such as their perjury to the IRS allowing them (State Farm)to avoid state and federal payroll taxes on approximately $3 Billion of annual payroll. It may also make State Farm disclose to its own agents they (the State Farm Companies) have been found to have breached the agents contract (Case #C050591 Calif. Appellate Court, Third Disrtict). This opinion on the breach of contract was final approximately April 2007 but State Farm has yet to notify its agents of this breach.
And the point of this is?? Any large company has made mistakes. You assign a sinister motive to a loss in court. That they lost of course means a vast conspiracy to cheat everybody. Well, as gill brought up, their satisfaction rate is extremely high, probably much higher than the satisfaction rate your customers or bosses have with you. Many times I agree with you, but you need to lighten up on the State Farm attacks. It just makes you look like as big a loon as Rosie or Melanie. Find a company that hasn’t been sued and lost on occasion and let me know about it.
Oh, by the way, I’m not a State Farm apologist. I couldn’t care less about them. I just tire of the incessant attacks some of the posters on this site seem to feel are justified. Shrill and whiney constantly.
I competed against State Farm for many years and have no love for that company. However they sure are more principled than The Scruggs Katrina Group.
But they are guilty until prove innocent silly person. They are an insurance company and are inherently evil. Right, Melanie?
Perhaps one of the attorneys reading this article can help me. I thought RICO was a criminal law approach to nab ‘bad guys’. If that is so, how can D. Scruggs use this approach? Shouldn’t a States Attorney or DA etc be the one filing suit?
If you call this mistakes then you must think that OJ carved up Nicole & Ronald Goldman by accident.
Give me a break.
Fraud is Fraud. No sugar coating allowed.
It’s like sying I am just a little bit pregnant.
As far as State Farm having a high satisfaction rate…. lol
This is the block of business that never had to MAKE A CLAIM.
Show Me The Satisfaction Rates for the People Who Had To File A Claim.
Selling a Hurricane Policy without Hurricane Protection is not a mistake.
Blaming Water for Katrina was not a mistake.
Denying claims for Katrina was not a mistake.
Turning their back on their Clients when they were left homeless…not a mistake.
Living Expenses defined as ACTUAL LOSS SUSTAINED? What does that mean?
Still no straignt answer and this is not a mistake.
Trying to block the investigation…
not a mistake.
Telling Agents to shred out dated documents…not a mistake.
Any Company that tries to defraud Americans should be nailed to the wall.
No Deals!
Don’t want anyone to go to jail, I would just like to see some Honor in mankind.
The Industry makes enough money to be good to their clients.
This is about power & greed of money.
Shame on anyone that tries to cover this up.
We are working people. Decent and our blood is all red. Help each other and stop trying to get over on your neighbor.
I just cannot understand why the apologists continue to fail to acknowledge that State Farm has been found guilty and everything they do from the point of the 1st judgement against them is an acknowledgement of their widepread guilt. Re-opening 35,000 claims tells me that they have only legitimately settled only 35-40% of their claims, and 0% of claims within 1 mile of the coast, contrary to their own figures of 99%. Their lies show on them. And being a career adjuster, their approach was not legitimate from the start and they knew it.
The Mob was rubbed out by Politicians.
Now called Political Rings.
It’s not organized crime anymore,
it’s called corruption.
RICO is now Legislative Meetings.
Sometimes they call in a special session.
All the corrupt officials gather together.
Need a favor…Consider it done.
Contribute to campaigns makes you one of the gang.
Duh, The Insurance Industry throws
money around and that is why there are
no State Regulations preventing them from
Screwing the American People.
The only Regulations that we have is
Regulations that Protect the Finances
Of the Industry.
Know too much or Cross the line and
You end up on a milk carton.
Too bad for Jimmy Hoffa, back in his day
the milk came in clear, glass jugs and not
A paper carton.
The RICO statutes are used both civilly and criminally. Obviously Scruggs can only bring civil claims.
State Farm is blinded by greed in so much as they have become Gluttens…..
Gluttens for Punishment.
Hood & Scruggs had State Farm in a head lock, up against the wall…..
State Farm Surrended & they made a deal.
This time…NO DEAL!
Denounce Them by Name…is what God said.
Tired of Deception & Greed!
The Truth Will Prevail!
they should also be looking at other State Farm claims in other states as well. I know of one claim where the adjuster agreed the damage was related to flood but since State Farm is a WYO for flood, they sent Rimkus Engineering out to say it was not flood related.
Calm down a little bit KD. Don’t want you to have a heart attack here on this board.
I do not know all the facts in this situation. However, I feel sure that State Farm has done all they could to minimize paid claims, and I am also sure that when an ambulance chaser like Scruggs & his firm speak they never let the facts get in the way of their argument. Also, based on the judge’s contempt charges against Scruggs, he obviously has not acted in the best of faith.
Lawyersatans looove to use RICO in civil cases on a contingency basis, given the treble damages feature. Even Planned Barrenhood used it against prolife demonstrators, which failed thank God. It was designed to be used against the mob. If this is successful will State Farm be shut down as a “corrupt organization”?
God forbid you joke about this situation. Worse than the Holocost. Kill them all, don’t put them in jail. We have some really wired posters on this site. As I said elsewhere, these awful insurance people are guilty until proven innocent according to the Rosie’s of the world. Let them prove their case/or not. Facts Rosie lovers, try one sometime.
then sign me up for neck removal. What could be funner than forcing people to buy from
State Farm (well, why else would they?),
then stay with State Farm for 20 or 30 years like most of my clients, then force them to report 99% satisfaction with claims handling like they do. How fun to be so devilish. And what a clever disguise, acting like coaches, volunteers, civic leaders etc. Who would ever know what REALLY bad citizens we all are. And how great all those are who judge us.
I’ve been with State Farm for 36 years. I have never had a moment’s problem with claims, and I have filed my share. I have a court date Monday for a vandalism restitution claim, and they’ll be there with me. People hate State Farm for the same reason they hate Wal-Mart: success.
All those stupid people who shop at Wal-Mart and are insured with State Farm just don’t know how unhappy they really oughta be.
Rick – I think pedophiles have more principles than Scruggs.
Aunti – generally i like you but comparing katrina to the Holocaust (check your spelling dearie) is despicable. Kartina is like a mosquito bite on an elephants rear compared to the Holocaust. Shame on you!
I was being sarcastic. Sorry for that inappropriate reference and for the poor spelling on a couple posts today. Is it me or does it seem like all the loons are out today? Must be a boring Thursday.
Surprise!!! Surprise!!! State Farm has been found guilty with punative damages awarded in both OKLA and MISS. Why can you not understand this concept? State Farm lost and the plaintiffs were awarded PUNITIVE DAMAGES for State Farm’s deceptive practices. These additional suits will be settled before they are again hit with PUNITIVE DAMAGES and no one will ever know the payments made and State Farm will buy their way out of BAD FAITH, when they could have avoided all of the problems by acting honestly from the start.
Read the real story the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.
the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.
the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.
“the law firm has proof that State Farm and its partners conspired to cheat policyholders out of millions of dollars in payments.”
So what, there’s no need for a trial? You must want a govt of, by, and for ambulance chasers.
NO I want the blind to open the book on Fraud. No more being blinded- One Law for all.
The Web has proof lots and lots of it.
So what, there’s no need for a trial? Yes -thank God for Mr HOOD.
State Farm caused this entire show.
They are the reason why This Industry is being investigated.
Don’t even try think that you are better than and don’t ame this on Scruggs or the Policyholders.
Scruggs did not accept money from you nor did he cheat you out of one cent.
When you tell one lie, you have to tell two.
State Farm is exposed with lie after lie.
I am sorry if you believe we are shallow for saying the truth.
The bigger they come, the harder they fall.
Whatever You do, Will Come Back To You.
It just takes time.
When MS is finished nailing State Farm to the wall, The Company will be renamed
State-Pen, doing time on the farm.
Please, stop trying to sugar coat the truth. I guess you think you are one of the honest ones in the business? lol
The Insurance Industry has 0 loyalty to the policyholders. They screw you and offer a guarantee of Annual Rate Increases with more exclusions.
How can they stay in business that long?
Because they do not have any regulations because they own politicians.
They refuse to explain the policy on one page, and that is because no one would want to pay for a policy without coverage.
Stop wasting our time with more BS.
We are up to our eyeballs with deception, lies and betrayal. If you can’t be honest, stay off this site.
My there seem to be a lot of apologists on this site for the Scruggs Katrina Group. Let’s see, would that be the same outfit that just had criminal contempt charges filed against them for their acts in this mess? I’m sure there are two sides to every story, including State Farm, but what the federal judge had to say about Scruggs was not very flattering.
Oh yes, if it’s on a website it’s the gospel truth! Give me a break!
Mark:
Scruggs isn’t lily white, but he has uncovered some less than flattering things about SF. How doyou apologists get around a pattern of abuse and PUNITIVE DAMAGES? My eyes will not shut that tightly; so as to ignore that which is so blatant. The main difference is that Scruggs is working after the fact of SF mis-deeds and SF did what they did, intentionally, knowing they were wrong!!!
So in other words you’re a Scruggs apologist.
State Farm denied claims. Big Whoop. Every insurance company denies claims. Insurance companies have a responsibility to their policyholders and/or shareholders to minimize losses to the “Actual Loss Sustained”. Blindly paying for any/all claims made would either drive the company out of business or drive rates up so high that no one can afford them.
There is a reason that there are so many exclusions on the normal HO policy. There are a lot of things that are either uninsurable or better covered by a different type of policy, FLOOD being the best example. Even SF’s concurrent causation clause makes sense if you look at it logically. If the adjuster is unable to determine how much damage was caused by wind because the house was razed by flood waters (storm surge), how exactly are they supposed to determine the correct amount to indemnify the wind damage?
Most insurance employees are ethical, moral people. How long do you think a company could stay in business if they constantly screwed their customers? There is enough competition out there to take advantage of any situation like that.
Mr. Freed – Please note the following FACTS, and too, try to keep in mind that you and your associates should not make claims that are not true, since that would be “perjury” in the court of public / consumer opinion, and the in the other court setting.
Too, even though it is not a new thought, please remember that ones can be illegally taken advantage of only so much anymore now that the internet exists’ and by which existance helps unlock and expose corrupt cooporations “secrets”, and the people that knowingly support them…
__________
A new twist to State Farm and Allstate’s hurricane Rita damage UNDER-assessment schemes is to (falsely) claim that wind debris damage to asphalt / fiberglass roofing system shingles, is not really damage they insure for.
They now claim that when wind borne debris (sand, pebbles, twigs, vegetation, dirt, neighbor’s roof granules, etc.) strips off shingles granular surface component, sometimes even down to the fiberglass matting, that that abrasive striping of the shingle…is not (wink-wink) reallllyy shingle damage.
Another (false) claim they both are spreading, (Allstate through Pilot Claim Service adjusters), in and around the Beaumont Texas region, and in Florida, is that the tar sealant bond that keeps one shingle attached to the one below it, is also not (wink-wink) reallllyy shingle damage when wind lift breaks the bond.
(Only naive, uneducated and tired policyholders believe, or “accept” that damaged property assessment double-speak nonsense…)
As wind loads break apart a shingle’s (factory engineered and wind warrantied) tar sealant bond, and leaves behind debris under the shingles, the heat from the sun commonly causes the debris to become attached to the tar and commonly prohibits the shingles from (thermally) sealing back together…a blatantly factual and obvious danger to the home / business structure, and to the future welfare of the inhabitants of the structure…especially along the hurricane prone Gulf Coast.
To help Allstate / Pilot Claim Service and State Farm (permanently?) correct their shingle wind damage assessment errors, and voluntarily reopen untold thousands of claims incorrectly assessed, and to help the general public receive a reasonable shingle roofing system wind damage assessment review from insurance adjusters, the following fresh technical information, received from a credible and proven shingle manufacturer, is provided for the general public;
__________
TECHNICAL BULLETIN – HURRICANE EXPOSURE
The process of detecting and evaluating damage from hurricane exposure is subjective at best, and often everyone involved may offer a different assessment.
Damage can range from wind uplift, shingle loss, broken sealant bonds, granule loss, external sources, and may not be readily apparent.
However, even small amounts of damage can harm the surfacing material, leading to deterioration of the shingles months or years later.
GRANULE LOSS
Regarding damage to the embedded granule surfacing in the asphalt top coating, hurricane wind exposure can result in varying degrees of granule loss.
Hurricane wind exposure loosens the granules, potentially allowing the granules to separate from the coating layer and wash off the roof.
Without the granule surfacing, the asphalt top coating is exposed to ultraviolet radiation from ordinary sunlight and will eventually deteriorate, exposing the fiberglass substrate and creating a leak potential.
If a shingle indicates outward damage, the underlying components may be compromised and affected to some degree.
The extent of granule loss resulting from hurricane exposure is influenced by, but not limited to, the following:
1. Age of the product.
2. Force and duration of winds and wind driven rain.
3. Type and amount of wind driven debris.
4. Orientation and slope of the deck in relation to winds.
5. Amount of foot traffic.
BROKEN SEALANT BONDS
When sealant bonds are broken due to hurricane winds, it is possible, but not likely, for shingles to reseal.
The subsequent strength of resealing, if any, would not be as strong as the initial thermal bond and would be contingent on, but not limited to, the following:
1. Age of the product.
2. Time of year and amount of exposure to ambient temperatures.
3. Length of time before shingles are exposed to subsequent high wind events.
4. Orientation and slope of deck.
5. Stress and strain on the shingles due to exposure to sustained high winds and/or deck movement.
6. Number, placement, type, and length of fasteners.
7. Contamination to the sealant bonds by dirt, debris, or other foreign substance.
8. Condition of the underlying deck or underlying shingles if a roof over.
In accordance with the terms of the limited warranty, there is no coverage for damage caused by hurricanes.
Shingles in hurricane areas will continue to carry the limited warranty for manufacturing defects and remaining limited wind warranty.
Any damage relating to conditions caused by a hurricane, including granule loss, breach of the seals, nail tears and other structural damage, will not be covered by the limited warranty or limited wind warranty at any time.
TB-420 2/24/06
ELK P.O. Box 500 Ennis, TX. 75120
Toll Free – 1-866-355-8324 http://www.elkcorp.com
__________
Large premiums + large deductibles + large depreciation factors + untrue loss values + irresponsible and life endangering claim loss damage assessment conduct = Minimal claim loss payouts, and Grrrreat!!! 2003, 2004, 2005, 2006, 2007 “Loss ratio” profits…
Too bad for some insurers, agents, and adjusters, that a thing called ‘Market Conduct Examinations’, periodically performed by (honest) insurance regulatory market conduct examination professionals, and others, is not going to kind to them, or to their market investment support…
Think about that the next time you see a ad from an insurer that wants you to trust them with your family’s welfare, and your money.
Make sure they do not (cleverly) steal either…
__________
For those that would like to review detailed and documented Allstate and State Farm loss claim “adjusting” misconduct that I personally witnessed with my clients, on MANY occasions, on their properties, I can be reached at-
rogerpoegc@yahoo.com
Oh roger thank you you have your eyes open. your a A+
it a rest Roger. If the wind was so strong as to unseal the shingles and lose garnules, why did it not damage the shingles in other manners? Just as tread wearing off tires is a sign of normal and espected wear, so is loss of granules a sign of normal wear. All of the shingles I (and most adjusters I have ever spoken with) have ever seen with broken seals NEVER SEALED PROPERLY FROM THE ORIGINAL INSTALLATION, due to improper installation and/or factory defect!!!
no actually that makes you incapable of comprehending the Englsih language. When you are capable of reponding to the post, rather than making it up, I would be happy to discuss it with you. I know it is hard for you not to make it up when the facts do not support your view.
State Farm has breached its own contract with its own agents. Case #C050591 Calif. Third Appellate District. That decision was final approximately April 2007 as the Calif Supreme Court refused to hear State Farm’s appeal. State Farm has yet to acknowledge this to its agents.
State Farm has was found by an Oklahoma jury to have “recklessly disregarded its duty to deal fairly with policyholders” and resulted in a $13 Million verdict.
State Farm paid $3.7 Million to settle an overtime lawsuit with approximately 400 California Claims adjusters. State Farm listed the adjusters as doing administrative work and tried to avoid paying overtime and got caught.
In the Broussard, MCoy, Nicolau and Watkins Cases the jury found for punitive damages against State Farm and used terms such as “recklessly disregarded its duty” and “intentionally and with malice”.
Now there are numerous other cases and others in the process claiming the same type of things being done to them by State Farm. How many verdicts will it take to realize there is a pattern going on here? These were juries that heard the evidence presented by both sides and found against State Farm and felt strongly enough about the evidence that they awarded punitive damages as well.
In addition to this I have the documentation of perjury by State Farm to the IRS and State Farm manufacturing evidence in another litigation. Is there anything State Farm won’t do to get their way?
I comprehend English just fine joe. I didn’t make anything up. I asked if you were a Scruggs apologist (a word that you have used in hundreds of posts, so I’m assuming you know what it means.)
Not much to discuss, & I know what your response would be anyway.
I am officially retiring as a poster on this site. There is no level of intelligent thought on the part of the anti-insurance company group. They just repeat the same tripe over and over. Even those like Adjusterjoe who have at least a little clue don’t understand the business of insurance. If anyone says anything to defend this business they are *&%%^&, pick your insult. I hope their bitterness eventually transfers to some other forum where they can work to tear down others through their ignorance. Goodbye.
Ma Barker, et al,
You say, “If you can’t be honest, stay off this site.”
In case you haven’t noticed, this is an insurance news web site! If YOU are not in the industry or do not know the industry (which is obvious in your post), maybe you should “stay off this site”!
Well, Roger Poe, the roofing contractor is at it again with his innuendoes and other half truths about roofing shingle deterioration that results from a large number of non-storm related which he conveniently selectively omits.
His attempt to quote Elk Roofing Company’s statement of explanations as to why certain causes of shingle deterioration are NOT covered under their “limited warranty” statements is a “twisting” of the truth as to the real causes of “granular loss”.
Never once does Roger Poe tell the reader of this forum that the most common cause of granular loss is the result of POOR OR INADEQUATE attic ventilation. Folks, check it out yourselves. Just do your research on web-sites of “ventilation” materials manufacturers and, for a second opionion, other roofing manufacturers for their learned comments, and you will come away with a better understanding as to why property insurance companies deny roofing claims for “ordinary wear and tear”, as this condition predates the storm activities. The “build-up” of attic heat literally “bakes” the underside of the roofing shingles causing the embedded tar in the shingles to dry out, allowing the “seal-down” sealant to break its bond, and the granular coating to also break its bond and wash off by normal rainfall.
Also, fiberglas/asphalt composition roofing shingles are more susceptible to deterioration from high humidity and huge amounts of rainfall in the southern states than the drier areas of the country. To see this in action, just look at this type of roofing where large shadetree branches grow over the front and back slopes of dwelling roofs. The sun never shines on the roofing long enough to dry out the shingles before the next rain. These water logged shingles literally “rot” from constant moisture. Moss growths are also found to form on wet shingles.
I realize this post is indirectly off point from the State Farm/Dickie Scruggs battle, but it is a rebuttal of strong MISINFORMATION posted by Roger Poe.
And YES, I’m a defender of the Property Insurance Industry because, as one poster previously stated, not all claims are payable because they are not “insurable” events, otherwise no one could pay the premium cost for unlimited protection, and we all would be without insurance in time of help (not profit).
I’m glad that the whistleblowers in Louisiana are doing such a wonderful job. A friend of mine is keeping me updated with details and finds that he discovers that brings new flavor to the decimation of the current insurance frauds. I’m glad that people are doing something about the crooks that survive among the good people of the nation. What makes me the most happy is that up north here in Pennsylvania I’ve began telling all sorts of people including some of my family who are also lawyers which practice in Philadelphia, every bit of information I can from my friend down south. Everything that I hear to bring these crooks down I throw around to the folks up here hoping that they tell their friends and so on and so forth. I sincerely feel that in the near future after all the congressional hearings and all the ******** that there might be a federal insurance reform. Our program today really isn’t so bad however the crooks who run these business really are hurting innocent people who elect to purchase insurance from the “little guy”. I’m in full support with Scruggs on this one and State Farm, yall better just bow down and kiss yer asses goodbye… If our government don’t see that you cheated the thousands of people, well God will. What are you going to say to him when confronted? Goodluck to those pursuing redemption and god bless.
LL:
Has the industry not done it to themselves. When I started back in the dark ages, there were many standard fire policies written. There were many HO-1 and HO-2 policies written. Carpet was ACV. Many roof provisions were ACV. Fences were not coevred for wind. Awnings and screens were not covered for wind. Falling objects were just that, not wind blown tree limbs. And to be competetive, the standards for HO-3 and HO-5 were lowered as well as premiums. Underwriting is limited these days to loss history. Companies appear to be subscribing to the Warren Buffet philosphy; “Take in enough premium to finance your companies and don’t worry about the loss ratio unless it exceeds 110%.”
So sad all lies Comment:
many (uninformed) people’s idea of insurance is “I have insurance for something will if you have State Farm you will be lie to over and over this is state farm history.
The Insurance Industry has 0 loyalty to the policyholders. They screw you and offer a guarantee of Annual Rate Increases with more exclusions. You can Call Mr Rust, Like I did Over A year ago. ” IF THOU CAN BELIVE< ALL THINGS BECOME POSSIBLE TO HIM THAT BELIVETH. MR Rust out west we belive in the good guys we make phone calls when someone dose us wrong. I call your office of over a year, 2/3 time a day. All I want to do was tell you the way your people play with my life, to no a vail. May be if you would have this compay would not be in so deep.
Posted By: Bill
Comment:
Oh yes, if it’s on a website it’s the gospel truth! Give me a break!
mR bILL THE WEB HAS ALL COURT FILES WHY TO YOU THINK GONZALES WANT,S TO STOP ALL THE INF.SAY IT,S FINGER THE REAL BAD GUYS ! WE FIND THEM BUT NO ONE WILL TAKE THEM ON OH BUT WANT MR HOOD- I GUESS GONZALES FOR –GET MR HOOD IN ALL THE M-S YOU CAN NOT STOP PEOPLE OUT SIDE THE WEB MR GONZALES SO HOW ABOUT GOING ON YOU PALYDAY!!! FOR THE PUZZLE IS HOW CAN YOU DO YOUR JOB gONZALES— MR RUST IS YOUR FRIEND. nOT THE PEOPLE WHO HAVE BEEN SO HARM BY THIS FOR-OVER A YEAR – I CALL FOR HELP TO YOUR OFFICE BIG JOKE. I WAS TELL YOU DO NOT DEAL WITH INS FRAUD OF THIS KIND IN ALL OF MY CALLING THAT I MAKE FOR OVER A YEAR 3/4 TIME A DAY NO ONE DEALS WITH THIS KIND OF FRAUD WHY IS THAT I ASK PUT THE PUZ. OPEN YOUR EYES COUNTRY.
Posted By: Mr. Obvious
Comment:
State Farm denied claims. Big Whoop. Every insurance company denies claims. Insurance companies have a responsibility to their policyholders and/or shareholders dEAR mR OBVIOUS YOU USED POLICYHOLDERS WOULD THAT BE ?ME. cOULD YOU TALK TO ME ABOUT WHY IT,S OK TO PAY THIS /?? HARD EARN MONEY– OUT TO T-I-S
I happen to work for a company that is well known for finding coverage for our insureds when legally their is none. Our insureds pay a higher premium than our competitors, but they get treated better too.
It appears that many (uninformed) people’s idea of insurance is “I have insurance for something, when something happens, I should be paid” without remembering that they chose the chevy premium, and declined the rolls royce premium.
Pops,
Hurricane force [74+MPH] winds PLUS 25%+ higher wind gusts and other individual “winds within the wind” commonly create a environment that by its very nature is abrasive to roof coverings and other structural components.
Flying micro-projectiles (dull, sharp, or otherwise) leave their own unique “fingerprints” on surfaces, such as fiberglass shingles, painted surfaces, guttering surfaces, window frames/glass, AC Unit cooling foils, garage doors, fencing finishes, vehicles, etc.
The older the roofing system, the more clear the effects of the wind generated abrasive action.
Forensically these abrasive “fingerprints” are VERY different from heat and moisture damage.
After witnessing at least 12 catastrophes [that I too have witnessed] ones can be certain that Allstate and State Farm know these actual loss claim issues quite well.
In fact, bizarrely, the tar sealant bond damage was recognized in Louisiana after hurricane Katrina, but not in SE Texas after hurricane Rita.
Also, critically high wind detaches a shingle from the one below it by pushing/pulling on the outside ends of the shingle, eventually BREAKING the tar tab bonding material that is designed to create a monolithic wind/weather tight roof covering.
That type of “unordinary” high wind induced damage, verses long-term “normal” environmental “wear and tear” damage is VERY different, forensically.
Too, suddenly, PARTIALLY, and consistently uniform/detached shingles lifted on one end by the directional winds, and shimmed up with wind borne debris, creating a visual/physical “zipper” effect is not to be mistaken with long term ‘heat build-up’ or ‘moisture’ damage markers.
ALL in place/post high wind storm affected roofing systems should be HAND checked (by a seasoned post storm construction professional) for their ACTUAL physical integrity, as they very may not make it through another critical wind/storm event, and all that that can mean…
Admittingly I don’t know it all “Pops”, however I myself don’t attempt to give anyone misinformation, and like yourself, also encourage ALL insurer trusting consumers to research even your “facts” so as to weigh out what manufacturers and nature and their own home have to say about actual post hurricane/wind storm damage, verses everyday damage.
rogerpoegc@gmail.com
P.S. I’m a general contractor that hires roofing contractors.
THE POLICY IS WRITTEN TO DEFRAUD HOMEOWNERS.
A Clever layout of benefits with loopholes written to disguise facts.
A Successful, Planned, Layout, Composed to DEFRAUD, Usually referred to as IGNORANCE OF THE INSURED which is one of the largest money makers for the Insurance Companies.
Why did State Farm Refuse to Explain the Benefits on the 1st Page?
Could it be they did not want the POLICYHOLDER TO SEE THE TRUTH?
The Policy, Your Choice of Hurricane Deductibles BUT NO COVERAGE.
A Planned, Successful tactic used to deceive their own.
You say “uninformed” I say it’s FRAUD!
State Farm, Still Deceptive & Still Defiant.
This too will come back to haunt them, again!
Uninformed, my ***! Shame on you & your family!
please someone Tell about this. Section 1 Liability- coverage A 1. pay damages which an insured becomes legally liable to pay because of; A bodily injury to others, and b. damage to or destruction of property including loss of its use,
I can see by your posting that you can read and write. All you have to do is read your policy “coverages” and connect the meaning of all the words listed therein to form a complete thought to arrive at the meaning of the statements. Afterall, this is the “new generation” easy to read policy language. If that doesn’t work for you, ask your sales agent to explain it to you.
Could it be that commenting like you chose to to others is part of the whole as to why many people have little trust in the insurance industry?
“Moral cowardice and intellectual corruption are the natural concomitants of unchallenged privilege.”
– Noam Chomsky
rogerpoegc@gmail.com
In a nutshell: I worked for the “Good Neighbor” for over 20 years only to be fired the instant my husband (guilty by association, I guess) questioned the “independent” nature of the appraiser who inspected our car damages. Ouch! In light of the Katrina scandal, that hurt! The company alleged that I had provided my husband with “inside” information, as if my husband with two doctorate degrees lives in a cave and doesn’t read what’s all over the news…Wouldn’t State Farm love for every customer to be uneducated and uninformed? Unfortunately, my husband’s “serious accusation” also gave State Farm the perfect pretext to get rid of an old employee like me. Hey, State Farm, after giving you my best, you kick me to the curb. Niiiiiiiiice! (NOT!)
It is shameful and a disgrace when those in a position of power use Nazi tactics to intimidate the “little guy.” This practice deserves severe punishment.
Sorry to hear the pain & suffering from other S/F Victims.
I am a codependent person so it hurts more when I hear others cry.
They have done this to everyone and they will continue unless someone takes them down.
Some people do not like Lawyers and some don’t like Scruggs.
The bottom line is that SCRUGGS fighting this battle for us to win the war.
We need to shout the truth & spread the word so other S/F Policyholders will be ready and waiting for the claims to be denied.
Thank God for the Internet!
The day is near and the time will come.
No one can continue to do this to people and get away with it forever.
The legal battle started on the front lines and behind closed doors when the carrier used a sub-contract expert – of any kind that has the word “Forensic” in it’s name or description of services. The Marrian Webster Dictionary – definition: 1: belonging to, used in, or suitable to courts of law or public speaking or debate. 2. relating to the application of scientific knowledge to legal problems.
That was “strike” 1
State Farm has attempted to blackmail in an attempt to defraud not only but medicare.
Their corruption is like a bad infection that won’t heal…..
My medical bills are approaching 1/2 million dollars and they threaten blackmail if I don’t settle for $10,000.
They are powerfull and we need criminal charges against the attys who defend them and the techniques they use. I lost over $1 million dollars, can’t work, and they are the worst predator I have ever encountered. I am a senior citizens and sick and they have no consideration for the elderly, homeless, broke and ill that their policy holders harm. They also don’t care about their policy holders as in ,my situation the green card holder could be deported for lying oath or lying to the police….