[Bubblesitter]

Carlsbad dude,
Why are you defending the insurance industry so much? You aren’t an insurance agent are you?

Selling “peace of mind” is great, but only if you can deliver.

The Bloomberg article was not mentioning some second rate, 3rd tier insurance companies, but big industry heavyweights with sizable market share, Allstate, State farm, etc. They are systematically trying to minimize payouts. They are using every technique to achieve this goal. This happened with the Cedar fires, Katrina and now it will happen with the great 2007 San Diego fires.

You are either an insurance indusry hack or very naive.

Bubblesitter

[Bubblesitter]

Carlsbad dude,
Why are you defending the insurance industry so much? You aren’t an insurance agent are you?

Selling “peace of mind” is great, but only if you can deliver.

The Bloomberg article was not mentioning some second rate, 3rd tier insurance companies, but big industry heavyweights with sizable market share, Allstate, State farm, etc. They are systematically trying to minimize payouts. They are using every technique to achieve this goal. This happened with the Cedar fires, Katrina and now it will happen with the great 2007 San Diego fires.

You are either an insurance indusry hack or very naive.

Bubblesitter

[Bubblesitter]

Carlsbad dude,
Why are you defending the insurance industry so much? You aren’t an insurance agent are you?

Selling “peace of mind” is great, but only if you can deliver.

The Bloomberg article was not mentioning some second rate, 3rd tier insurance companies, but big industry heavyweights with sizable market share, Allstate, State farm, etc. They are systematically trying to minimize payouts. They are using every technique to achieve this goal. This happened with the Cedar fires, Katrina and now it will happen with the great 2007 San Diego fires.

You are either an insurance indusry hack or very naive.

Bubblesitter

[Bubblesitter]

Carlsbad dude,
Why are you defending the insurance industry so much? You aren’t an insurance agent are you?

Selling “peace of mind” is great, but only if you can deliver.

The Bloomberg article was not mentioning some second rate, 3rd tier insurance companies, but big industry heavyweights with sizable market share, Allstate, State farm, etc. They are systematically trying to minimize payouts. They are using every technique to achieve this goal. This happened with the Cedar fires, Katrina and now it will happen with the great 2007 San Diego fires.

You are either an insurance indusry hack or very naive.

Bubblesitter

[Bubblesitter]

Good to hear that 4S survived, I know a couple folks that live out there. Have authorities allowed folks to go back to their homes?

For the newcomers to San Diego, this whole experience of SoCal fires has been traumatic. I guess the folks who grew up in this area, wildfires are par for the course.

You must have a background in fire science and meteorology given the certainty you stated that “4S will not be burned by Santa And driven fires”. After the events of these past few days, I tend to think that no place in San Diego North, East, South county is truly safe. The magnitude of this wildfire caught alot of folks off-guard.

Bubblesitter

[Bubblesitter]

Good to hear that 4S survived, I know a couple folks that live out there. Have authorities allowed folks to go back to their homes?

For the newcomers to San Diego, this whole experience of SoCal fires has been traumatic. I guess the folks who grew up in this area, wildfires are par for the course.

You must have a background in fire science and meteorology given the certainty you stated that “4S will not be burned by Santa And driven fires”. After the events of these past few days, I tend to think that no place in San Diego North, East, South county is truly safe. The magnitude of this wildfire caught alot of folks off-guard.

Bubblesitter

[Bubblesitter]

Good to hear that 4S survived, I know a couple folks that live out there. Have authorities allowed folks to go back to their homes?

For the newcomers to San Diego, this whole experience of SoCal fires has been traumatic. I guess the folks who grew up in this area, wildfires are par for the course.

You must have a background in fire science and meteorology given the certainty you stated that “4S will not be burned by Santa And driven fires”. After the events of these past few days, I tend to think that no place in San Diego North, East, South county is truly safe. The magnitude of this wildfire caught alot of folks off-guard.

Bubblesitter

[Bubblesitter]

The personal property claims are generally not the issue, these are small peanuts compared to the structure. CC receipts are certainly a good idea along with video taping of valuables.

IT IS THE PAYOUTS FOR THE STRUCTURES THAT WILL BE THE ISSUE.

I hope you don’t have a naive trust of the insurance companies.

Take some time and read the bloomberg article at the top of this thread.

By the way, filing a claim will impact your Choicepoint insurance score. Yes, this is score analogous to a FICO score that scores your insurance risk rather than credit risk.

In the past, I’ve always maxed out my Homeowners insurance deductible allowable under lender guidelines. Never file any claim unless it is catastrophic. One claim for stolen golf clubs will likely raise your Choicepoint score and result in higher rates or may result in cancellation of your policy at renewal. You may end up paying for those stolen clubs many times over. Catastrophic claims also result in an increase in your Choicepoint insurance score.

Bubblesitter

[Bubblesitter]

The personal property claims are generally not the issue, these are small peanuts compared to the structure. CC receipts are certainly a good idea along with video taping of valuables.

IT IS THE PAYOUTS FOR THE STRUCTURES THAT WILL BE THE ISSUE.

I hope you don’t have a naive trust of the insurance companies.

Take some time and read the bloomberg article at the top of this thread.

By the way, filing a claim will impact your Choicepoint insurance score. Yes, this is score analogous to a FICO score that scores your insurance risk rather than credit risk.

In the past, I’ve always maxed out my Homeowners insurance deductible allowable under lender guidelines. Never file any claim unless it is catastrophic. One claim for stolen golf clubs will likely raise your Choicepoint score and result in higher rates or may result in cancellation of your policy at renewal. You may end up paying for those stolen clubs many times over. Catastrophic claims also result in an increase in your Choicepoint insurance score.

Bubblesitter

[Bubblesitter]

The personal property claims are generally not the issue, these are small peanuts compared to the structure. CC receipts are certainly a good idea along with video taping of valuables.

IT IS THE PAYOUTS FOR THE STRUCTURES THAT WILL BE THE ISSUE.

I hope you don’t have a naive trust of the insurance companies.

Take some time and read the bloomberg article at the top of this thread.

By the way, filing a claim will impact your Choicepoint insurance score. Yes, this is score analogous to a FICO score that scores your insurance risk rather than credit risk.

In the past, I’ve always maxed out my Homeowners insurance deductible allowable under lender guidelines. Never file any claim unless it is catastrophic. One claim for stolen golf clubs will likely raise your Choicepoint score and result in higher rates or may result in cancellation of your policy at renewal. You may end up paying for those stolen clubs many times over. Catastrophic claims also result in an increase in your Choicepoint insurance score.

Bubblesitter

[Bubblesitter]

Does anybody know any good Consumer-focused insurance web sites where fire victims should do?

Insurance commissioner has some good info.

http://www.insurance.ca.gov/

I would be most worried about the retired widow who just lost her paid-off house. The insurance claims estimator/adjuster will end up ripping these folks off with low-ball offers.

Does anybody know of any plans by any of consumer-friendly organization to inform these people?

The insurance companies number 1 goal now is to minimize payouts. They have very honed techniques to do this. See top of this thread for link on some of these techniques. Sort of disgusting. Any you folks in the insurance industry that can comment anonymously? Do the right thing!

Bubblesitter

[Bubblesitter]

Does anybody know any good Consumer-focused insurance web sites where fire victims should do?

Insurance commissioner has some good info.

http://www.insurance.ca.gov/

I would be most worried about the retired widow who just lost her paid-off house. The insurance claims estimator/adjuster will end up ripping these folks off with low-ball offers.

Does anybody know of any plans by any of consumer-friendly organization to inform these people?

The insurance companies number 1 goal now is to minimize payouts. They have very honed techniques to do this. See top of this thread for link on some of these techniques. Sort of disgusting. Any you folks in the insurance industry that can comment anonymously? Do the right thing!

Bubblesitter

[Bubblesitter]

Does anybody know any good Consumer-focused insurance web sites where fire victims should do?

Insurance commissioner has some good info.

http://www.insurance.ca.gov/

I would be most worried about the retired widow who just lost her paid-off house. The insurance claims estimator/adjuster will end up ripping these folks off with low-ball offers.

Does anybody know of any plans by any of consumer-friendly organization to inform these people?

The insurance companies number 1 goal now is to minimize payouts. They have very honed techniques to do this. See top of this thread for link on some of these techniques. Sort of disgusting. Any you folks in the insurance industry that can comment anonymously? Do the right thing!

Bubblesitter

[Bubblesitter]

Here’s the clickable link

http://www.bloomberg.com/apps/news?pid=20601203&sid=aIOpZROwhvNI&refer=insurance

[Bubblesitter]

Here’s the clickable link

http://www.bloomberg.com/apps/news?pid=20601203&sid=aIOpZROwhvNI&refer=insurance

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