No dis-respect intended and I'll apologize up front for this BUT can't you buy a WHOLE mobile home for $15,000?

 

$15,000 damage! Geez, how long was that faucet leaking?

 

I have had State Farm coverage on my vehicles for over 15 years and have not had any problems with them (one at-fault claim in that time period).

I TRIED to get a policy for my scoot through them but, they were like 40-50% higher than just about everbody else! I was told they didn't give discounts for scoots like they do for multiple vehicles. [&:]

 

ok trailor trash checking in here yes I guess you can get a moble home for 15.000 however I paid 65 for mine and it is one of the cheap ones where I live prices in the area are all going for 0ver 200k so 15 grand is not a huge claim but yes a faucet leaking ?????????????

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Living in a Katrina damaged area,we learned to read the fine print. Insurance co. screwed a lot of people here.

 

I paid 30 for mine in 97 , no way would I file a claim because I let my sink ruin half of it's value. I have state farm on my cars and bike but they wouldn't insure my mobile home because I'm very rural, had to go with country companiest

 

Insurance companies like their insureds to be atleast a little responsible. They want to insure people who reasonably maintain their property to prevent such catastrophic losses as $15,000.00 from two leaking faucets.

I think the insured should be lucky they paid anything. An accidental lossrequires three elements: unintentional, unexpected and unavoidable. The insurance company would not have been out of line to deny the whole claim as the loss was certainly avoidable and probably expected after leaking as long as it had to to cause that amount of damage.

 

heres one for you. My parents have had the same MAJOR ins company for over 20 years on their house in Florida and have NEVER made a claim. They get notified last week that their policy on the house is cancelled and can not get a home owners policy anymore from the company. The company says NO ONE is insuring homes in FL that were made before 2003 . They check and sure enough no one will take a new policy. They have to get an off the wall company for 3 times more. They are being told that the claims from hurricanes have all the major companies leaving FL as a market.

 

Been there also.

 

I imagine every insurance company has ways of doing business that we don't like. For those of you that think State Farm is "the best", I support a different viewpoint. Had State Farm for five years. They insured my home, three rent houses, six vehicles, truck tools and parts inventory, 10k sf building with inventory, sheet metal brakes, tools, shears, welders, performance bonds and general liability. Up to that time, I had never filed an insurance claim for anything. I files three claims in 4 years on my homeowner's policy, knowiung now that that's a no-no. Claims were for a potty water line breaking, flooded the house; hail storm trashed the roof, and lawn mower threw a rock into a car window. I had a $500 deductible. Was told by the agent that the underwriter (proper word for butthole) demanded that the deductible be changed to $1,000 or the homeowner policy would be cancelled. I really didn't object to that, but I just didn't want some general office bozo drone telling me what to do, so I just cancelled everything. Care to guess what the annual premium loss was to them? Many, many thousands. But they didn't care. They make decisions based on historical averages and loss trends. Felt sorry for the agent, but he couldn't stand up to the underwriter. The secret to maintaining good insurance coverage? NEVER file a claim. If you do, expect the unexpected.

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