Posted by TBprnaa on March 30, 2011 at 17:31:30 from (66.216.242.170):
In Reply to: Home Insurance posted by pburchett on March 30, 2011 at 08:38:53:
Just be aware that with some companies / online you might not have an agent to go to for help if you have trouble with company or claims reps/adjusters. Also, online won't always notify you if you miss premiums, etc.
Some of our rate increases are due to "neighboritous". One home has wind damge or hail damage in area and everybody with a worn roof files a claim. Insurers have taken so much crap over the years they just honor/pay the claim to avoid bad media. Guess who ends up paying for these? All of us.
I have worn shingles on my home now, due to being 15 yrs old and bad venting/heat in attic. Every month at least a couple of "roofing contractors" knock on door and ask if I want to repair "hail" damage and they will take care of insurance claim, etc. Yeah, right. I tell them no, it is my own fault and I'll pay for it. Besides, no hail in area for two years!
Shop around with reliable companies, and know what your buying. Compare coverages exactly.
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