- Nov 4, 2004
- 25,512
- 9,466
With friends like that, you don't need any enemies.
JD338
JD338
Home Insurance
- Thread starter RL338
- Start date
- Thread starter
- #22
RL338
Handloader
- Mar 23, 2017
- 3,478
- 5,716
That’s just robbery
Bruce Mc
Handloader
- Oct 26, 2005
- 1,307
- 679
Texas AG Paxton has filed suit against Allstate for planting tracking software on customer's cell phones and then collecting and selling the data collected to other insurance companies, which is a violation of state statute.
I've been in my home since 1979 and have never filed a claim. I have storm damage on my roof and I'm sweating what results I might get from my insurance company. I haven't seen the new price yet but my car/truck insurance just took a healthy jump up.
Paul B.
Paul B.
Jim, this is a big topic in Florida. The Roofers (independent companies) will knock on your door telling you that you have roof damage (usually hail damage) and say that they can get you a new roof through your insurance company. "they will handle all the details" My neighbor was approached and told he had hail damage and they will get a "great deal" for him. He said OK and they gave him a $26.000.00 metal roof courtesy of the insurance company for only $2200.00 dollars. I don't know what his new insurance premium is. This is happening all over the state.
Charlie-NY
Handloader
- Mar 11, 2005
- 1,439
- 912
How about health insurance for your dog? I've got a Golden Retriever. His name is Cody. I bought a policy shortly after getting him. Cody was 8 weeks old at the time. The policy has a $500 annual deductible and a maximum return of $5,000. It did not cover any wellness care, only accident or illness. The initial cost was about $28/month.
The cost of the policy goes up most years based on the dog's age and inflation. Cody is now 11 years old. The policy cost $170/month. The maximum payout never increased above the initial $5,000, despite them claiming that rates are high because vet bills are increasing. Last week I got a renewal notice. They want $250/month for the same coverage. I called and asked them if it made sense for me to pay them $3,000/yr in premiums for $5,000 of (potential) coverage AFTER paying the first $500. All they could say was that they could reduce my coverage and save me a few bucks.
I told them that I'm opting out after 11 years. I can't help but feel that Americans are being squeezed from every possible angle, especially by the insurance industry.
The cost of the policy goes up most years based on the dog's age and inflation. Cody is now 11 years old. The policy cost $170/month. The maximum payout never increased above the initial $5,000, despite them claiming that rates are high because vet bills are increasing. Last week I got a renewal notice. They want $250/month for the same coverage. I called and asked them if it made sense for me to pay them $3,000/yr in premiums for $5,000 of (potential) coverage AFTER paying the first $500. All they could say was that they could reduce my coverage and save me a few bucks.
I told them that I'm opting out after 11 years. I can't help but feel that Americans are being squeezed from every possible angle, especially by the insurance industry.
- Nov 4, 2004
- 25,512
- 9,466
That's exactly what I am talking about. I have 3 nephews that are working that gig. They all make big money and drive flashy cars.
My daughter needed a new roof last year and spent the money on the getting a new roof the honest way.
JD338
But is it really a scam? The insurance adjuster still has to sign off on the claim, and then the company has to approve the work and payment.
- Nov 4, 2004
- 25,512
- 9,466
I don't fully understand how it works. These roofing companies do all the leg work. Homeowner pays the deductible and gets a new roof.
BTW, 2 nephews also have an adjusting company so they double dip. They live lavish lifestyles.
JD338
BruceP
Handloader
- Jun 22, 2017
- 273
- 289
Ours went up about 56% with a reduction in coverage for what they now consider cosmetic issues. Example now if my metal roof is damaged/dented in a hailstorm but is not leaking that is now cosmetic and they will not replace the roof.
KinleyWater
Handloader
- Jun 15, 2019
- 1,096
- 1,486
Not just in Florida, I see the fliers in my mailbox after every bad thunderstorm. Is it a scam? I don't think so, in the sense that everything they do is legal (assuming they aren't putting fraudulent information on the forms). My understanding is that it's more like they know how to work the system to get the maximum amount of money. The homeowner gets a new roof for cost of deductible, the roofer makes a fat load of cash off the construction, the adjuster gets a cut. Everyone feels happy about it when it happens. Of course, then the insurance premium increases happen.
- Thread starter
- #32
RL338
Handloader
- Mar 23, 2017
- 3,478
- 5,716
Back in 2015 the said insurance company sent me a letter telling me to replace my roof or they weren’t covering any damage associated with it. We had CertainTeed shingles installed when we built and they were the recalled ones. We put steel on and they raised our rates , just couldn’t win with them.
Bruce this is the way my auto ins works now . so far I don't think my info is being sold , at least I haven't noticed anything . I switched to state farm about 2 years ago . I had to put a state farm app on my cell phone . I carry a small gizmo in my truck . it tracks my every move . I'm not happy about it tracking me . it is supposed to give a discount , for being a safe driver . after two years I still have not received a discount the app says I'm owed . when I pay my next bill , I'll have to ask about how this works . this thing tracks very accurately . you can bring up a map of a trip , and it will show you where you got penalized . close to my house there is a steep down hill , with a stop sign at the bottom . when I go down this hill it hits me with a harsh braking penalty . the other day the roads were slippery . when I pulled out from a stop my truck spun and fishtailed just a little , BAM I got hit with an acceleration penalty . at first I worried about the penalties , now I just drive . I think it's pretty much a joke .
gizmo I leave in my truck . I think they call it a beacon .
a pic of the info it watches . this is contained in the app on my phone .
the discount I'm supposed to get , for giving up all my privacy , being under constant watch , and never being able to be alone on a drive . I keep the accident assistance turned off . as touchy as the other items are , I feel it surly would be sending assistance while I'm driving the dirt roads on our lease .
- Thread starter
- #34
RL338
Handloader
- Mar 23, 2017
- 3,478
- 5,716
I wonder what is in all the fine print when you agree to put one of those in your vehicle.
When you have the roofer walking around on your roof and he has a hammer in his back pocket you can be assured it's there for no good reason. The insurance company approves the work and then jacks your rates up to never never land. They never lose. You have to remember the insurance company is in the business to make money not spend money.
- Nov 4, 2004
- 25,512
- 9,466
There's no way I would ever have an electric collar or beacon to track me.
JD338
JD338
Tracking has completely infiltrated so much of our lives. Phones, apps, useless crap in and on our vehicles. We get a monthly recap of EVERYTHING on my wife's car.
When sales reps come to see me, it isn't to sell me something, They actually ask if they can walk my shelves with an I-pad and record shelf placement of items. That's a hard no for me. They can pull any number of sales reports to see when I purchased an item. Data is the future. Google and Microsoft understood this years ago.
Ever notice how you look at something on the internet and 6 hours later you start receiving ads for the item you were interested in.
I'm likely going to sound a little like I'm going down a conspiracy rabbit hole, but this is real. We give up freedoms every day through the means that we've shared, all in the name of technology and convenience.
When sales reps come to see me, it isn't to sell me something, They actually ask if they can walk my shelves with an I-pad and record shelf placement of items. That's a hard no for me. They can pull any number of sales reports to see when I purchased an item. Data is the future. Google and Microsoft understood this years ago.
Ever notice how you look at something on the internet and 6 hours later you start receiving ads for the item you were interested in.
I'm likely going to sound a little like I'm going down a conspiracy rabbit hole, but this is real. We give up freedoms every day through the means that we've shared, all in the name of technology and convenience.
you can bet they have nothing but MY best interests at heart .
I take my cell phone in the side by side . my phone will have a notice that the app is not able to record this trip . it did this for a while , I haven't noticed it for a few months .
the kick in the pants is , I bought on-X .I want on-X to track me ,and I can't get on-X to work properly . LOL it started out probably being off a half mile . after going through all my phone settings my on-X is probably with in 200 or 300 yards . it's absolutely worthless to me . when I read through there help it's always , " it's your phone settings" . this reminds me to go shut off the automatic renewal . I think it's getting close to renewal time . I've had it a year , and never got it to work . on-X needs to get an app like state farm uses , it's very easy to install ,and it's within feet .
3 Meter Para Bellum
Handloader
- Apr 17, 2020
- 309
- 400
I know we are being tracked when me or my two adult brothers get interested in a minority topic and somehow our mom starts getting adds for those things. Not a lot of people own handmade Japanese kitchen knives. I got into them and suddenly my mom gets hit with an add on her phone. OK, weird, but still slightly plausible, Japanese kitchen cutlery is getting a bit more popular. Then me and my older brother start looking into Chinese meditation and exercise, like Tai Chi and Qigong, not something a lot of Americans know anything about, then she gets a pop up of a guy doing Qigong. Yeah, that couldn't be a coincidence.
Bruce Mc
Handloader
- Oct 26, 2005
- 1,307
- 679
Heck, I believe our devices listen to our conversations. I can just talk about something and the next thing the product is showing up on facebook or in spam.
