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Your home owners insurance means shit
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sally Away
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Post: #1
Your home owners insurance means shit

unless your whole fucking house burns down or blows away. That's why I don't have hurricane insurance, because it's worthless unless your house is leveled. Which the chances of that are very slim.

I'm charging $150.00 to write up hurricane damage estimates now, I'm not writing up hundreds of detailed estimates for people's insurance companies to review and depreciate the value and I wont get the job anyway. Bunch of bullshit. These people have paid thousands upon thousands of dollars and they think they're going to get their roof replaced at full value hah.

The insurance companies and fema are requesting written break downs of how much labor and how much material costs of shingles and tar and cap sheet... no one is going to waste their time writing that shit up for free for thousands of people. They're hoping the home owners just give up.





11-17-2016 09:48 PM
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Carsman Offline
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Post: #2
RE: Your home owners insurance means shit

(11-17-2016 09:48 PM)sally Wrote:  unless your whole fucking house burns down or blows away. That's why I don't have hurricane insurance, because it's worthless unless your house is leveled. Which the chances of that are very slim.

I'm charging $150.00 to write up hurricane damage estimates now, I'm not writing up hundreds of detailed estimates for people's insurance companies to review and depreciate the value and I wont get the job anyway. Bunch of bullshit. These people have paid thousands upon thousands of dollars and they think they're going to get their roof replaced at full value hah.


I just sent in my highway robbery house insurance payment of $1003 ( Smiley_emoticons_skeptisch ) yesterday to Liberty Mutual. They are supposed to reimburse full replacement value cost! They better, but the only real way to find out is after having a disaster. hah






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11-17-2016 09:58 PM
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sally Away
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RE: Your home owners insurance means shit

You should probably look over your policy with a magnifying glass and get a written statement because from what I've been seeing is they are depreciating everything, and that's if your deductible even meets it which they determine by sending out an adjuster and then making everyone get detailed estimates with break down costs for labor and material. Good luck with that after a disaster. I've had old ladies calling me up crying over it. I love my job.





11-17-2016 10:17 PM
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Duchess Away
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Post: #4
RE: Your home owners insurance means shit



I had my own insurance bitch last week.






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11-18-2016 05:48 AM
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Maggot Offline
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Post: #5
RE: Your home owners insurance means shit

I don't like customers seeing labor/material cost I like to generalize it and its usually good. They see 90.00 per hr labor and get all pissy but there's a shit ton of overhead they don't consider. Material is marked up at least 35% and I don't like them seeing my cost. Depending on who the buyer is I sometimes charge 80% markup. They just better not piss me off over the phone.






You couldn't get a clue during the clue mating season in a field full of horny clues if you smeared your body with clue musk and did the clue mating dance.
11-18-2016 07:06 AM
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Carsman Offline
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Post: #6
RE: Your home owners insurance means shit

(11-17-2016 10:17 PM)sally Wrote:  You should probably look over your policy with a magnifying glass and get a written statement because from what I've been seeing is they are depreciating everything, and that's if your deductible even meets it which they determine by sending out an adjuster and then making everyone get detailed estimates with break down costs for labor and material. Good luck with that after a disaster. I've had old ladies calling me up crying over it. I love my job.


You must have seen the devastation on the media the last few months showing the monstrous hurricanes, and storms. Causing horrendous floods, damage, and devastation washing away home after home, business after business, all over the country. Thus causing Billions of dollars in damage.
When I called my agent about why my premium was so high, he said all insurance companies are looking at multi Billions of dollars in pay outs to those poor people who lost everything. So "they" are spreading the "pain" of the cost of those billions over "all policy holders".

When I think about it, I'm glad/lucky I was not one of those people who lost everything!






Carsman: Loves Living Large

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11-18-2016 08:28 AM
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Maggot Offline
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RE: Your home owners insurance means shit

A few years ago I had a hose break behind my sink in the middle of the night and woke up to 6" of water in my cellar. Insurance paid almost 20,000.00 in damages and i got a new kitchen out of it. A year later I switched to another carrier and didn't bat an eye.






You couldn't get a clue during the clue mating season in a field full of horny clues if you smeared your body with clue musk and did the clue mating dance.
11-18-2016 01:47 PM
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Duchess Away
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RE: Your home owners insurance means shit

(11-18-2016 01:47 PM)Maggot Wrote:  A few years ago I had a hose break behind my sink in the middle of the night and woke up to 6" of water in my cellar.


I remember that. I think there's some pix in one of the private forums.

*knocks wood* I don't ever want to go through anything like that.






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11-18-2016 02:45 PM
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Maggot Offline
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Post: #9
RE: Your home owners insurance means shit

Yeah the asbestos glue that was used years ago to lay the lino was expensive to get rid of. But not for me.






You couldn't get a clue during the clue mating season in a field full of horny clues if you smeared your body with clue musk and did the clue mating dance.
11-18-2016 04:53 PM
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Clang McFly Offline
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Post: #10
RE: Your home owners insurance means shit

(11-17-2016 09:58 PM)Carsman Wrote:  
(11-17-2016 09:48 PM)sally Wrote:  unless your whole fucking house burns down or blows away. That's why I don't have hurricane insurance, because it's worthless unless your house is leveled. Which the chances of that are very slim.

I'm charging $150.00 to write up hurricane damage estimates now, I'm not writing up hundreds of detailed estimates for people's insurance companies to review and depreciate the value and I wont get the job anyway. Bunch of bullshit. These people have paid thousands upon thousands of dollars and they think they're going to get their roof replaced at full value hah.


I just sent in my highway robbery house insurance payment of $1003 ( Smiley_emoticons_skeptisch ) yesterday to Liberty Mutual. They are supposed to reimburse full replacement value cost! They better, but the only real way to find out is after having a disaster. hah

I just paid my highway robbery of $21 for my renters insurance last week. Thank you Progressive for letting me bundle it with my car insurance.Smiley_emoticons_biggrin






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11-18-2016 07:33 PM
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Carsman Offline
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Post: #11
RE: Your home owners insurance means shit

(11-18-2016 07:33 PM)Clang McFly Wrote:  
(11-17-2016 09:58 PM)Carsman Wrote:  
(11-17-2016 09:48 PM)sally Wrote:  unless your whole fucking house burns down or blows away. That's why I don't have hurricane insurance, because it's worthless unless your house is leveled. Which the chances of that are very slim.

I'm charging $150.00 to write up hurricane damage estimates now, I'm not writing up hundreds of detailed estimates for people's insurance companies to review and depreciate the value and I wont get the job anyway. Bunch of bullshit. These people have paid thousands upon thousands of dollars and they think they're going to get their roof replaced at full value hah.


I just sent in my highway robbery house insurance payment of $1003 ( Smiley_emoticons_skeptisch ) yesterday to Liberty Mutual. They are supposed to reimburse full replacement value cost! They better, but the only real way to find out is after having a disaster. hah

I just paid my highway robbery of $21 for my renters insurance last week. Thank you Progressive for letting me bundle it with my car insurance.Smiley_emoticons_biggrin

That frikin price I paid, was "bundled" with my two cars! hah






Carsman: Loves Living Large

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11-18-2016 08:32 PM
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Love Child Offline
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Post: #12
RE: Your home owners insurance means shit

Helicopter insurance for $45 anyone?





11-18-2016 09:08 PM
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Maggot Offline
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Post: #13
RE: Your home owners insurance means shit

Insurance...........selling fear since the great flood.






You couldn't get a clue during the clue mating season in a field full of horny clues if you smeared your body with clue musk and did the clue mating dance.
11-18-2016 09:14 PM
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Love Child Offline
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RE: Your home owners insurance means shit

I almost went to work for an insurance agent once and asked, "Don't you get depressed talking about death and catastrophies all day?" He didn't.
I would.
I didn't take the job.





11-18-2016 09:21 PM
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