I am cranky today. Woke late with congestion and need to get motivated.
Our insurance company is getting hard to get along with on replacing anything from my stolen purse. Now they say that key fobs are part of the cars accessories so they don't have to replace them. So I have a higher adjuster working on it. They told me to go replace them and send in a receipt and now they will not reimburse even thought I followed their directions. It is so crazy. If my house burned to the ground would they replace anything? Strange.
Not a good way to start the day. So far I have put out over $2000.00 on the purse thing $108.00 has been reimbursed even though I have a $1000.00 deductible. It is such a dishonest system. Even when you have replacement cost on contents they will depreciate everything until you replace the said item and then turn in a receipt and then they say it is an accessory. My front door lock is an accessory to my house. Oh by the way they insure my house. This has been such a huge waste of my time and effort.
I did get some things done last night after the babes left and I have a pile of things that are ripped so I can start on them today. I really need to get some bridesmaid dresses and mother of the bride dresses knocked out along with an Army dress blue. Plus the pile is growing again.
Well have to go get to work.
Have a great and productive day staying positive while you are in the negative.
Kim
That really stinks with the insurance. You do sometimes wonder what good it is to have it. I was always told freezer contents were covered - well found out this spring that they aren't. Lost a ton of meat and they said they will not cover any of it for any reason. Insurance is such a racket. So sorry.
ReplyDeleteWell the squeaky wheel gets the grease and I am squeaking.
DeleteYou deserve to be cranky. Congestion AND the insurance shenanigans. I hope tomorrow brings better health, and better news!
ReplyDeleteYes I am squeaking and it is resulting in some payback.
DeleteI bumped a guy's bumper, nothing in way of damage that was not there before. My insurance went up about $40/month or something like that. Then, when my inflated policy amount paid for the bumper, my insurance went back down. It was so obvious that they were collecting money from me and then requiring me to pay for the damage out of pocket. I was cranky about that until I dropped them for a better insurance price and policy. Your situation stinks, too.
ReplyDeleteIt does.
DeleteThere's so many loop holes with insurance and they change.
ReplyDeleteI know and I am ona mission to change them.
DeleteMy ins guy had a freezer go out...after his deductible they only covered 1/4 of the loss... HE WAS TICKED so now on policies he makes sure that kind of thing is highlighted and has customer's initials next to it. Several in Dayton after Memorial day tornado are still fighting adjusters to get their money from insurances or the adjuster shows where they agreed and sent paperwork to ins and it's just now paying. Several ins companies now are being looked at over that crap.
ReplyDeleteThe first thing they say in no. Then when you come back at them no again but if you keep at them they adjust.
ReplyDelete