Nope biggest problem is the insured! Get to be friends with an adjuster and you will find out that a lot of homeowners claim are inflated because the insured see nothing wrong with "getting a little extra back" from their insurance company. I worked a storm in a few years back. 1st 6 claims I worked on 4 had inflated claims by both value presented by the insured and outright fraud claiming damage where there was none. One resulted in a prosecution. Most of the adjusters who have been on the job a few years that I know have gotten very jaded about claims to the point where some think everyone is falsifying claims. That's pretty sad. A lot of the time the company pays because it's cheaper than a legal battle or an investigation. Look at the guy who broke into a home and got locked in the garage while the family was on vacation. He survived on dog food an pop that was in the garage. He was convicted and sent to jail but he successfully sued the homeowners insurance company to the tune of 80K
for "physiological" damages. The company at that point paid because it would cost them more than the 80K to appeal. So next time you get mad about the cost of insurance or the adjuster take a close look at your neighbor or perhaps in the mirror.
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Today's Featured Article - A Question for Dads This recent topic from the Tractor Talk discussion board is being highlighted because it is an awesome display of the caliber of individuals that have made this site their own. The young person asking questions received positive feedback and advice from total strangers who "told it like it is" with the care many reserve for their own kids. The advice is timeless... so although it isn't necessarily antique tractor related, it will be prominently displayed in our archives to honor those who have the courage to ask and those who have the courage to respond in an honest, positive manner.
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