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Dec 30th, 2023
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 Re: Insurance rate increases
[Re: butch sanders]
#14937604
12/25/23 06:33 PM
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Joined: Dec 2007
Posts: 17,902
bloo_rainger
TFF Guru
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TFF Guru
Joined: Dec 2007
Posts: 17,902 |
I’ve got a long rant but no one would finish reading it.
Long story short I got roof replaced.
Months later I discover my floor is wet and has been getting wet ever since my new roof.
Call insurance and roofers.
I repeat this process three times because the leak I never had before still wasn’t fixed.
I had no idea but the insurance company opened up a different claim ever time I called them back.
Three claims filed in their eyes.
I’m uninsurable by anyone but my current carrier.
I could seriously hurt someone. did this roofer come to your door? or was it the phone call for the free roof inspection ? Door knocker. Not really ranting on the roofer because I don’t think they intentionally caused the problem. It was leaking around the chimney.
ALL HAIL TRUMP
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Re: Insurance rate increases
[Re: bloo_rainger]
#14937614
12/25/23 06:51 PM
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Joined: Mar 2005
Posts: 44,955
butch sanders
TFF Guru
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TFF Guru
Joined: Mar 2005
Posts: 44,955 |
I’ve got a long rant but no one would finish reading it.
Long story short I got roof replaced.
Months later I discover my floor is wet and has been getting wet ever since my new roof.
Call insurance and roofers.
I repeat this process three times because the leak I never had before still wasn’t fixed.
I had no idea but the insurance company opened up a different claim ever time I called them back.
Three claims filed in their eyes.
I’m uninsurable by anyone but my current carrier.
I could seriously hurt someone. did this roofer come to your door? or was it the phone call for the free roof inspection ? Door knocker. Not really ranting on the roofer because I don’t think they intentionally caused the problem. It was leaking around the chimney. some people know how to roof those door knocking guys are amatuers your chimney shouldn't leak especially if it didn't leak before but this is why the insurance rates are going through the roof let me ask if you had to cover your deductible would you have replaced your roof
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Re: Insurance rate increases
[Re: Stump jumper]
#14937618
12/25/23 06:59 PM
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Joined: Jan 2013
Posts: 3,582
The Searchers
TFF Team Angler
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TFF Team Angler
Joined: Jan 2013
Posts: 3,582 |
I’ve been with my insurance company for 20 years.
Personal house
6 vehicles
Two rentals
Boat in the past
Everything we owned thru them.
Had a roof I just had to put on out of my own pocket because they denied claim……
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Re: Insurance rate increases
[Re: Stump jumper]
#14937622
12/25/23 07:06 PM
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Joined: Jun 2012
Posts: 21,874
Douglas J
TFF Guru
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TFF Guru
Joined: Jun 2012
Posts: 21,874 |
One of the best investments is a good insurance broker. Someone that will actually work to insure you and your particular needs.
You can make insurance "somewhat affordable" if you have a good broker on your team. It's almost 2024 and nothing is cheap anymore.
On this day it's important to be thankful if you are in a financial situation where rising costs on everything are an inconvenience and not a catastrophic event to you and your family.
![[Linked Image]](https://texasfishingforum.com/forums/pics/userpics/2024/11/full-72311-248284-f6b1190b_bbab_49d4_a1b2_6e9a1ce426f7.jpeg) #MFGA
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Re: Insurance rate increases
[Re: Mark Perry]
#14937636
12/25/23 07:38 PM
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Joined: Sep 2005
Posts: 28,133
Uncle Zeek
aka "Mom"
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aka "Mom"
Joined: Sep 2005
Posts: 28,133 |
In addition they charge you based on the vehicle you drive, your driving record, claims history abd credit rating? Why should EV replacement costs affect anyone other than an EV driver? I agree. When I buy motorcycle insurance, my rates are based in part on the risks of riding a motorcycle, rather than the risks of driving a car. People who drive EV's should have to assume the risks (and full costs) involved with those vehicles. I shouldn't have to pay higher insurance premiums on my (paid for!) internal combustion engine vehicle to cover the risk that someone's EV battery will catch fire.
"Decency is not news; it is buried in the obituaries --but it is a force stronger than crime" ~ Robert A. Heinlein
Artim Law Firm, PLLC
Estate planning & tax attorney AND 07/02 FFL
2250 Morriss Road, Suite 205, Flower Mound, Texas 75028
972-746-0758 mobile
zac@artimlegal.com
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Re: Insurance rate increases
[Re: CKINCAID]
#14937644
12/25/23 07:59 PM
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Joined: Jan 2010
Posts: 7,705
Dognot
TFF Celebrity
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TFF Celebrity
Joined: Jan 2010
Posts: 7,705 |
I'm getting to the point where since my rigs are paid off....I should just stoop to their level Cancel insurance...biggest fraud there is anyways. All my stuff is paid for too but I will still carry Liability.
The only thing worse than a porta potty in the wintertime is a porta potty in the summertime.
You can’t stop the man from learning the hard way or he will continue to be stupid. It’s just the way it has to be......Mudshark
The Lion and Tiger may be king of the jungle. But the wolf doesn't perform in the circus.....UGLYSHCTICK
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Re: Insurance rate increases
[Re: bloo_rainger]
#14937663
12/25/23 08:29 PM
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Joined: Apr 2004
Posts: 14,816
Stump jumper
OP
TFF Guru
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OP
TFF Guru
Joined: Apr 2004
Posts: 14,816 |
I’ve got a long rant but no one would finish reading it.
Long story short I got roof replaced.
Months later I discover my floor is wet and has been getting wet ever since my new roof.
Call insurance and roofers.
I repeat this process three times because the leak I never had before still wasn’t fixed.
I had no idea but the insurance company opened up a different claim ever time I called them back.
Three claims filed in their eyes.
I’m uninsurable by anyone but my current carrier.
I could seriously hurt someone. Insurance companies are looking for reasons to raise rates. I have read that they will do it even if you call just to ask questions about a possible claim.
2200 Bay Champ/200 Mercury Optimax
2017 Tundra TSS 4x4 Crewmax 5.7L
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Re: Insurance rate increases
[Re: Duke 22]
#14937746
12/26/23 12:10 AM
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Joined: May 2002
Posts: 5,827
leethefishking
TFF Celebrity
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TFF Celebrity
Joined: May 2002
Posts: 5,827 |
The only actual factors that go into getting bent over on auto insurance are the rising number of uninsured illegals pouring across our borders driving around with paper tags, and the inflated cost of materials due to the Covid hoax and mandated shutdowns associated with it. Merry Christmas...where's the Tylenol. It doesn’t help that there is basically zero prosecution and consequences for those caught with stolen vehicles and cats.
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Re: Insurance rate increases
[Re: leethefishking]
#14937751
12/26/23 12:21 AM
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Joined: Mar 2005
Posts: 44,955
butch sanders
TFF Guru
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TFF Guru
Joined: Mar 2005
Posts: 44,955 |
The only actual factors that go into getting bent over on auto insurance are the rising number of uninsured illegals pouring across our borders driving around with paper tags, and the inflated cost of materials due to the Covid hoax and mandated shutdowns associated with it. Merry Christmas...where's the Tylenol. It doesn’t help that there is basically zero prosecution and consequences for those caught with stolen vehicles and cats. Yes Why won’t D A’s prosecute these people
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Re: Insurance rate increases
[Re: Stump jumper]
#14939281
12/27/23 11:34 PM
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Joined: Jan 2013
Posts: 3,582
The Searchers
TFF Team Angler
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TFF Team Angler
Joined: Jan 2013
Posts: 3,582 |
Just found out our auto which we pay every 6 months is going up $1500 since last paid in July
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Re: Insurance rate increases
[Re: Stump jumper]
#14939287
12/27/23 11:42 PM
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Joined: Dec 2007
Posts: 17,902
bloo_rainger
TFF Guru
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TFF Guru
Joined: Dec 2007
Posts: 17,902 |
I’m guessing 50% of the people on the road are uninsured.
You don’t need insurance to do anything.
Lots of people know that.
ALL HAIL TRUMP
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Re: Insurance rate increases
[Re: butch sanders]
#14939300
12/28/23 12:02 AM
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Joined: Jun 2020
Posts: 17,040
grandbassslayer
TFF Guru
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TFF Guru
Joined: Jun 2020
Posts: 17,040 |
I’ve got a long rant but no one would finish reading it.
Long story short I got roof replaced.
Months later I discover my floor is wet and has been getting wet ever since my new roof.
Call insurance and roofers.
I repeat this process three times because the leak I never had before still wasn’t fixed.
I had no idea but the insurance company opened up a different claim ever time I called them back.
Three claims filed in their eyes.
I’m uninsurable by anyone but my current carrier.
I could seriously hurt someone. did this roofer come to your door? or was it the phone call for the free roof inspection ? Door knocker. Not really ranting on the roofer because I don’t think they intentionally caused the problem. It was leaking around the chimney. some people know how to roof those door knocking guys are amatuers your chimney shouldn't leak especially if it didn't leak before but this is why the insurance rates are going through the roof let me ask if you had to cover your deductible would you have replaced your roof I wouldn’t have. They knocked on my door and said I could get a new roof for zero deductible. My roof was 10 years old but in good shape. They said it had hail damage but I couldn’t tell if from the ground. Got me a new roof for “free” That was 19k about 4 years ago.
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Re: Insurance rate increases
[Re: Stump jumper]
#14939303
12/28/23 12:10 AM
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Joined: Mar 2005
Posts: 44,955
butch sanders
TFF Guru
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TFF Guru
Joined: Mar 2005
Posts: 44,955 |
thats why the rates are going thru
The Roof ^
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Re: Insurance rate increases
[Re: Stump jumper]
#14939329
12/28/23 12:47 AM
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Joined: Jan 2010
Posts: 20,148
Emit R Detsaw
TFF Guru
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TFF Guru
Joined: Jan 2010
Posts: 20,148 |
Just checked with USAA, mine might go up an additional $380 for next year. Of course, that is because I'm about to trade in a 24 year old truck for a brand new SUV. LOL!
May you be treated the way you treat other people, today and everyday!
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Re: Insurance rate increases
[Re: butch sanders]
#14939336
12/28/23 12:54 AM
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Joined: Dec 2007
Posts: 17,902
bloo_rainger
TFF Guru
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TFF Guru
Joined: Dec 2007
Posts: 17,902 |
thats why the rates are going thru
The Roof ^ Just for the record. You’re the only one that said that I didn't pay a deductible. 
Last edited by bloo_rainger; 12/28/23 12:56 AM.
ALL HAIL TRUMP
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