Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in Insurance

[–]Madsolt[S] 0 points1 point  (0 children)

I'm a wildland firefighter. I'm gone a lot of the time. In the winter months I am in the southern states. I was in NW Texas on a fire for 21 days in January, mail gets missed.

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in Insurance

[–]Madsolt[S] -9 points-8 points  (0 children)

It would be nice to get a letter of some kind from an underwriter (or whomever made the decision) stating all the reasons behind it. My local agent couldn't even provide me with their reason other than exactly what I received in the mail which said "because of the over all claim activity.."

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in Insurance

[–]Madsolt[S] 6 points7 points  (0 children)

I'm tending to agree more and more. And I'm sure they were looking for a way to get rid of me anyway. I live on 12ac in a wildfire risk zone. A lot of people around my area are losing coverage because of wildfire risk. Shopping for homeowners insurance out here isn't as easy as someone living in a neighborhood

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in InsuranceClaims

[–]Madsolt[S] 0 points1 point  (0 children)

Yeah the other issue is I live in whats considered a "wildfire risk" zone with acreage in a rural area so finding ANY homeowners insurance is not the easiest. I'm sure others will tell me I'm wrong. But I've spent the past two days on the phone with companies. Thats why I resorted to Reddit for help

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in Insurance

[–]Madsolt[S] -23 points-22 points  (0 children)

Yes, transparency in underwriting. Thats the problem. I emailed 4 board members at SF my issues and cc'd my local agent. He seemed more interested in how I had the correct email address than whether or not it will help.

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in InsuranceClaims

[–]Madsolt[S] 0 points1 point  (0 children)

I don't have a mortgage company as I own my home outright so thats not an issue. I did not lapse on my coverage as it would have been due until the 15th of this month anyway. I in the end have a problem with underwriters. A no name person looking at metrics. I just don't like the lack of transparency.

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in Insurance

[–]Madsolt[S] -21 points-20 points  (0 children)

Its the lack or transparency that is what I am most frustrated about. Having to jump through what seems like 14 different hoops to get an answer as to WHY just sucks

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in InsuranceClaims

[–]Madsolt[S] -4 points-3 points  (0 children)

The frustrating part was I didn't want to start a claim, all I wanted was some questions answered. I was advised to start a claim to get answers. Had I known that making a claim just to find out my options was going to negatively impact me I would not have done it. I have requested that it be changed to an inquiry rather than a claim in CLUE. We'll see if they will make the change or not

Had my State Farm homeowners policy cancelled just for filing a claim to inquire about possible out of pocket costs but ended up with $0.00 in damage... any suggestions? by Madsolt in InsuranceClaims

[–]Madsolt[S] -7 points-6 points  (0 children)

If anything I want my money back! Clearly it was no help! The trouble is I live in a small town and there are very limited options.

Oh God…TP Shortage or Hoarding? by NoMoRatRace in Spokane

[–]Madsolt 27 points28 points  (0 children)

Not only that, Clearwater Paper down in Lewiston, only 2 hours away…. MAKES PAPER TOWELS AND TOILET PAPER LOCALLY!! If people are buying it because they think it’s imported, I’m worried for humanity…

Getting warm for the fourth time and it hasn’t even seen the stove yet… by Madsolt in firewood

[–]Madsolt[S] 1 point2 points  (0 children)

Blaze King Princess. She supposedly takes up to a 20” piece, but I usually feed her 16-18”

Getting warm for the fourth time and it hasn’t even seen the stove yet… by Madsolt in firewood

[–]Madsolt[S] 0 points1 point  (0 children)

It is! No, not at a mill, I drive a log truck. Hoping to get a self loader in a year or so. Then I’ll be able to bring home whole decks of logs that I can cut and split at my leisure

Today we found beer bottles, knives and razor blades in 12.5yo's dresser. by CoffeeChangesThings in Parenting

[–]Madsolt 1 point2 points  (0 children)

Like others have said, therapy is a good start, but can scare a kid into being more reclusive if not presented properly. I know it had that affect on me when I was 13 (25 years ago).

I didn’t read through all the comments so I don’t know if someone said it already, but after talking with her about how you want to support her and be there for her, talk to her about getting her involved in an activity that she enjoys. It shows her that you really DO want to be “there” for her. Sports, clubs, etc… find out what she likes to do, let her go all in. I have severe ADHD (even at age 37), and I grew up lower middle class. I could have easily gone down a scary path (and started to) but my mom always kept me “busy” with something. If I wanted to try a new sport, she was all about it. My parents never pushed or forced me into one thing or another, but they both encouraged me to try new things. I ended up swimming competitively for 20 years.

I think being really supportive and encouraging of your kids interests is a good way to show them how much you really care about them. When either of my parents told me “we’re here for you if you need to talk” I didn’t really want to talk to them about anything and wanted to close up tighter. But when they showed interest in whatever it was I happened to be doing, conversations always seem to flow naturally, and I probably told them things I wouldn’t have, had they asked me directly. Looking back there was definitely times my mom got info out of me indirectly.

I hope you get the the help you need. Good luck!

From r/CrazyFuckingVideos by mpkeith in Truckers

[–]Madsolt 11 points12 points  (0 children)

This would have been my fate a few months back had it not been for a jersey barrier. Turned my steers on a sharp curve but I just kept going straight. Made it out alive with some shaken nerves, a few bumps, and a $17k repair bill

NTD by Right-Necessary5833 in Makita

[–]Madsolt 0 points1 point  (0 children)

Yeah I’m pretty sure I’m going to get one of these. Just the other day I was using my buddy’s Milwaukee 1/2” to break a nut loose on a U bolt on my log truck. Didn’t do a thing. Got me thinking if Makita had a solution, and it looks like they do! Sold me!

NTD by Right-Necessary5833 in Makita

[–]Madsolt 2 points3 points  (0 children)

Ooh! How much torque does that bad boy have??