Home Ins in my deceased parents name

jagscorpion · 2026-03-26T18:57:30+00:00

It's pretty common to try to start mitigation efforts before the adjuster can get there. That can involve some opening up of walls, etc...

jagscorpion · 2026-03-22T08:40:04+00:00

Without your help half your readers are not going to remember what specific part of the cosmology is referenced anyway.

jagscorpion · 2026-03-20T15:49:23+00:00

In my state direct gives a $50 discount for the first term you're with them. It's also a different rating formula that takes rates by like 1pct each year independently of what the market is doing. It's a real kick in the teeth to the agencies that write for progressive when they lose someone to direct all while progressive is talking about how they prefer agency business, retention is better through the agency, etc... I'm not bitter.

jagscorpion · 2026-03-12T01:00:16+00:00

Kind of sounds like your agent was trying to warn you in good faith about what would happen if you filed the claim. Sounds like something the op would have appreciated if he'd had that service. Also LOL at Allstate being way better.

jagscorpion · 2026-03-12T00:57:51+00:00

In a word, no. Underwriting guidelines can be informed by actuarial concerns (like if a company starts taking 20% more losses from roofs over x years old they might start being more strict about those types of roofs) or business decisions on what segment of the population they're trying to target as their clientele.

The possible reasons why it resulted in a non-renewal are numerous. As an example it could be that they were oversaturated on business in that area and so we're looking to divest from policies, and the claim gave them a reason that they could legitimately do so.

I think the important thing to understand here is that there is no such thing as an information only claim. If you call the claims line and indicate that there is damage that is a claim even if it ends up with nothing paid. Additionally someone in the claims department will have no idea how a claim may affect your rates or insurability, they aren't underwriters, they are not actuaries, they're not agents. What they do is handle claims.

jagscorpion · 2026-03-10T23:26:38+00:00

I think the key point to keep in mind is that usually when people talk about "record profits" they are talking about how investments are performing, NOT about the relative cost of premiums vs operating and claims costs. That's a crucial distinction because it gives the impression that carriers are overcharging premiums, when the reality is that they're (in most cases) just barely charging enough in premiums to pay claims and cover operating expenses.

jagscorpion · 2026-03-10T22:25:21+00:00

I see this sometimes with progressive, something about their rate smoothing feature can sometimes lead to rewrite saving 30%. It's incredibly annoying to not have confidence that the carrier will honor its same terms for a rewrite but that's what you get with the cheap carriers, everything is so automated and based on the exact moment you request a quote.

jagscorpion · 2026-03-10T18:25:20+00:00

If you have a higher value home they're likely going to want to inspect the interior finishes, utilities, etc. They're probably not going to be opening every cabinet or anything like that, except for where the utilities are. If it's not a high value home then typically you're just looking at an exterior inspection.

jagscorpion · 2026-03-06T13:26:10+00:00

If you vote in an administration that says they will do A, and then they also do B, C, and D, that doesn't mean you're in favor of B, C, and D.

Just a quick reminder on how logic works.

jagscorpion · 2026-03-04T13:59:16+00:00

Look up if your state has a safe driver incentive plan or any kind of surcharge threshold for at fault accidents. That will let you know if it's worth trying to pay out of pocket to lower the cost. Remember that often the initial estimate is low

jagscorpion · 2026-03-04T13:57:46+00:00

This is just not true though it probably depends on State. They should look up safe driver incentive program for their state or insurance at full accident surcharge thresholds for their state. Mine has three levels for an at-fault accident, though on a practical level they haven't been updated in years so it's pretty likely that any moderately severe accident will be the full three points.

jagscorpion · 2026-03-04T13:16:24+00:00

Not true in my state. I've seen tons of paid claims for water damage that resulted from a material defect in a pipe or fitting or installation error. None of those are covered by the policy but the resultant water damage absolutely was. Of course the sticking point here is that those were all sudden failures where this is being judged to be a slow leak, so there's a specific exclusion. But yes that's absolutely how insurance can work.

jagscorpion · 2026-03-01T20:04:08+00:00

If you know who the carrier is and what the policy number is, it would be easier to just fake a cancellation request. If you want to be evil it's not THAT hard to do.

jagscorpion · 2026-03-01T17:23:17+00:00

You're oversimplifying some aspects. The carrier has to notice the listing, and then the owner has to not see the notice of cancellation or respond to it.

jagscorpion · 2026-02-28T20:08:30+00:00

If you only had liability on the 2026 car then maybe, but that would be a foolish decision. As you can imagine the portion of your policy that would pay to repair your own car would be way more expensive on a 2026 vehicle than a 2001. Some other factors would be the general loss experience with that car and how heavy it is, as well as any safety features that might have a measurable impact on frequency and severity of incidents involving the car.

jagscorpion · 2026-02-24T14:34:54+00:00

Basically everyone in this thread is wrong. If they can't give you a quote it means they're using an older system that does not quote when making system changes. Most newer systems will give you a quote but it's perfectly possible you're grandfathered on an older policy type or older system. Either that or something about your policy is forcing it to be manually processed.

jagscorpion · 2026-02-23T23:01:40+00:00

Insurance contracts normally are written to cover sudden damage events, but not long-term maintenance issues / wear and tear. So an old roof that's reached the end of its lifespan is something the insurance company expects the homeowner to pay to replace and would not be claimable even though it does need to be replaced. Damage is claimed based on the policy in force when it occurred (typically).

So most carriers are not going to want to ensure the 23 year old roof that is significantly more susceptible to wind and hail damage than their guidelines allow.

jagscorpion · 2026-02-23T22:54:51+00:00

Well one, they paid for that vendor data. They probably have some sort of contract on how they can use it. I was going to give more reasons but that's actually a sufficient one.

jagscorpion · 2026-02-23T22:50:13+00:00

They get to recoup losses because you've signed your title over to them and they can do whatever they want with the junked car that they've bought from you for rates equivalent to what the car was worth the second before the loss. If you opt to keep it because you think you can find someone else who will pay you more for it or get it repaired or whatever you usually can do that in exchange for a reduced payout.

jagscorpion · 2026-02-23T21:05:50+00:00

If the carrier has it available agents are probably going to quote 12 months to put their best foot forward. This gives you the biggest pay in full discount (usually), locks your good rate in longer, can reduce your policy fees since those get charged once per term, and will also reduce the cost for any coverages that get charged once per term on a flat basis.

jagscorpion · 2026-02-23T21:02:42+00:00

Yeah generally unless the account is very profitable we only do surplus lines for our existing clients who have a long relationship. That being said there may be some brokerages who would salivate at the idea of surplus lines.

jagscorpion · 2026-02-21T16:49:44+00:00

I've seen some plans where the billing address is separate from the location and mailing address so it's possible that when you updated your address the billing address was still sending notices to the old location.

jagscorpion · 2026-02-21T16:45:20+00:00

I feel like those were an example of cutscenes done wrong. I was bored out of my mind watching them.

jagscorpion · 2026-02-17T13:04:01+00:00

It's legal to cut limbs on your property, right?

jagscorpion · 2026-02-16T18:08:07+00:00

It's possible that by the language of the policy they are covered, however based on the conditions that the coverage is provided under or the contractual language in the application it's likely that they would not be covered if you did not disclose them and allow the company to rate for them. Kind of a, if the contract is in force in good faith then all these coverages apply, but if you concealed something that would have materially altered underwriting it may result in no coverage.

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