DCtiger1

Forgive me, I thought you could actually engage in a conversation. Turns out you can do nothing but throw insults because you have no other recourse.

For reference, you doubled down and said this:

quote:

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The point is, my area, has never, in the history of the 30 years of the subdivision, has a storm done major damage, or any flooding, etc...even during historic 100 year floods in Lafayette....to illustrate is a low claim area..

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It doesn't matter what you think or what has happened historically. Wind maps update every 2 years and you're looking at South LA in its entirety vs "your" area.

Wow those stills of the engine ripping off are crazy. They never even stood a chance at that point

Yes, I'm the dumb one when you're continuing to reference flooding in regards to home owners insurance.

What exactly is dumb about giving you an explanation of why some companies won't write in certain areas?

Wind risk and adverse selection is the reason, including maximum sustained loss caps. Insurers have to purchase reinsurance, and they have caps on the max risk they can take in a particular state.

Some companies don't write in certain areas, what's the issue? It's called adverse selection.

I'd venture to guess it's not even Allstate, probably a clearinghouse company they write through.

Again, cite the crying ya dumb frick. Billions in claims get paid out annually.

You realize you're replying to a bot, correct?

They did, I expect too much of the OT. So many people taking his post literally

You're retarded

It's stunning how many of you don't vet posters before you reply

God bless you are such a fricking try hard idiot.

quote:

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Very few claims, and st farm wont cover my area that has never flooded, in the worst of storms and rain. They will give out profit bonuses probably and then beg for fed aid after the next drizzle

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There is so much retard in this post, I don't even know where to begin.


Flood insurance is FEMA, through NFIP. Has absolutely frick all to do with homeowners insurance.

SF is a mutual company, not a stock company. Show your work around federal aid for private insurance companies and profit bonuses?

When in the frick has Kiffin cared about his reputation? :lol: