Well said! People should understand that insurance companies don't make that much in profit year to year. They complain about paying for it then complain when they don't get a settlement. And the number of fraudulent claims are astounding! And a lot of the time the company pays because it's good PR to do that on low buck claims. Plus a number of states insurance commissions can levee fines much like the EPA and OSHA does.
Back to the original posting. It's an assumption on the OP's part about weather or not Allen has insurance or not. And if he has insurance just how good it is. IIRC he said he had a mortgage so I will make a bet he has insurance through his mortgage, purchased by the mortgage company from the cheapest provider. My FIL took over the mortgage on a house my BIL had when he got devoiced. Several years later he lost his roof. It took the mortgage provided insurance company 6 weeks to get an adjuster there then they claimed that the national average per square was lower than the actual cost of replacing the roof. It took almost 6 months to get the matter resolved and intervention from the state. A heck of a lot of people assume that the insurance provided with a mortgage is through a reputable company. So Allen could be out on a limb until the insurance company gets things settled. That's one of the reason that every time the insurance subject comes up here I preach about getting good insurance. Yea it cost a little more until you have a fire, loose a roof or get in a wreck. When you suffer a loss that good insurance pays for itself fast.
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Today's Featured Article - Grain Threshing in the Early 40's - by Jerry D. Coleman. How many of you can sit there and say that you have plowed with a mule? Well I would say not many, but maybe a few. This story is about the day my Grandfather Brown (true name) decided along with my parents to purchase a new Ford tractor. It wasn't really new except to us. The year was about 1967 and my father found a good used Ford 601 tractor to use on the farm instead of "Bob", our old mule. Now my grandfather had had this mule since the mid 40's and he was getting some age on him. S
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