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WOW...that was too close!!!



 
 
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  #11  
Old January 9th 05, 02:58 PM
Scubabix
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It was fresh water. I could claim it under my homeowners insurance, but,
the companies were allowed to increase their deductibles to several thousand
dollars for hurricane damage. Another fine example of how the blood sucking
*******s rip everyone off. Ok, enough of that. The car is awaiting a
complete rebuild. It was a learning experience of a Corvette NOT to buy.
The fact it flooded sounds a lot worse than it was, the interior has already
been stripped out, the rebuilt seats I'm going to put into it are in my
bedroom, high and dry.

Rob

"Marty" > wrote in message
...
>I was wondering the same, also was it sal****er? That would really suck.
> Marty
> "StingRay" > wrote in message
> ...
>> Rob, a dumb question - does your car insurance cover damage from a
>> hurricane? Just curious. Are you replacing/rebuilding the engine in the
>> 78? - SR
>>
>> "Scubabix" > wrote in message
>> ...
>>> My 78 was filled to the middle of the seats during the hurricanes this
>>> year here in FL. Engine's shot and didn't expect it to get quite that
>>> deep in the location it sits.
>>> My 96 was high and dry though.
>>>

>
>
>



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  #12  
Old January 9th 05, 05:32 PM
'Key
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"Scubabix" > wrote in message
...
> It was fresh water. I could claim it under my homeowners
> insurance, but, the companies were allowed to increase
> their deductibles to several thousand dollars for
> hurricane damage. Another fine example of how the blood
> sucking *******s rip everyone off.

---snip---
>
> Rob


sure they were allowed to increase their deductables for
hurricane damage.
how many hurricanes have hit Florida now ?
how do you figure they have ripped anyone off ?
you are lucky to be able to get insurance at all.

just my2¢
--
"Key"



  #13  
Old January 9th 05, 05:32 PM
'Key
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"Scubabix" > wrote in message
...
> It was fresh water. I could claim it under my homeowners
> insurance, but, the companies were allowed to increase
> their deductibles to several thousand dollars for
> hurricane damage. Another fine example of how the blood
> sucking *******s rip everyone off.

---snip---
>
> Rob


sure they were allowed to increase their deductables for
hurricane damage.
how many hurricanes have hit Florida now ?
how do you figure they have ripped anyone off ?
you are lucky to be able to get insurance at all.

just my2¢
--
"Key"



  #14  
Old January 9th 05, 10:38 PM
Scubabix
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Posts: n/a
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> sure they were allowed to increase their deductables for
> hurricane damage.
> how many hurricanes have hit Florida now ?
> how do you figure they have ripped anyone off ?
> you are lucky to be able to get insurance at all.
>
> just my2¢
> --
> "Key"
>


It's kind of ironic that Florida has anti-gouging laws that prevent prices
for services/products from being raised excessively due to natural
disasters. But, I pay my insurance every year with a $500 deductible for
any claims, until a hurricane hits. Then the insurance companies are
allowed to raise my deductible to $2000-$5000 dollars. That my friend is
ripping everyone off. A lot of the hardest hit areas are populated by
senior citizens living on pensions. $2000 out of a budget is rough on most
people, let alone those on limited income. As far as being lucky to get
insurance at all, that is pure and complete bull****. I pay extra insurance
for hurricane and flood coverage, I've never made a claim on that insurance,
but. if I do, they'll either raise it or drop my coverage completely. That
is ripping people off. And try buying any car or house without that same
insurance, no matter how much you have to pay for it. That is my .02

Rob


  #15  
Old January 9th 05, 10:38 PM
Scubabix
external usenet poster
 
Posts: n/a
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> sure they were allowed to increase their deductables for
> hurricane damage.
> how many hurricanes have hit Florida now ?
> how do you figure they have ripped anyone off ?
> you are lucky to be able to get insurance at all.
>
> just my2¢
> --
> "Key"
>


It's kind of ironic that Florida has anti-gouging laws that prevent prices
for services/products from being raised excessively due to natural
disasters. But, I pay my insurance every year with a $500 deductible for
any claims, until a hurricane hits. Then the insurance companies are
allowed to raise my deductible to $2000-$5000 dollars. That my friend is
ripping everyone off. A lot of the hardest hit areas are populated by
senior citizens living on pensions. $2000 out of a budget is rough on most
people, let alone those on limited income. As far as being lucky to get
insurance at all, that is pure and complete bull****. I pay extra insurance
for hurricane and flood coverage, I've never made a claim on that insurance,
but. if I do, they'll either raise it or drop my coverage completely. That
is ripping people off. And try buying any car or house without that same
insurance, no matter how much you have to pay for it. That is my .02

Rob


  #16  
Old January 10th 05, 05:03 PM
external usenet poster
 
Posts: n/a
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Tom wrote:
> I live in a low area near a creek that normally has 2 feet of water

and
> this recent weather had me sweating bullets!
>
> Water was surrounding my entire house (looked like a houseboat) and

it
> got into my garage. There was only about 1" of water on the floor of

the
> garage my Vette sits in. All this and the forcast was for another

entire
> day and night of rain.


C'mon. You could easily jack the car up and put it on jack stands to
save it another foot or so.

  #17  
Old January 10th 05, 05:03 PM
external usenet poster
 
Posts: n/a
Default


Tom wrote:
> I live in a low area near a creek that normally has 2 feet of water

and
> this recent weather had me sweating bullets!
>
> Water was surrounding my entire house (looked like a houseboat) and

it
> got into my garage. There was only about 1" of water on the floor of

the
> garage my Vette sits in. All this and the forcast was for another

entire
> day and night of rain.


C'mon. You could easily jack the car up and put it on jack stands to
save it another foot or so.

  #18  
Old January 10th 05, 10:13 PM
Charles Spitzer
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if the contract states it, then i agree with you.

however, everyone in your state is not paying for their own damages. that's
not how insurance works. the costs get averaged over the entire insured
base, so the premiums from one part of the country (unless the company is
only selling in that part) is spread across the country to all insured being
covered in all areas.

seems that your increased rates are a result of the damages and increased
perceived risk in that part of the country. that alone will tend to drive
out both people who can't afford, or won't buy, insurance and companies who
don't want the increased risk. you'll be left with companies of last resort,
and they can basically write whatever they want into their contracts. if the
gov't forces them to have certain clauses, then the premiums will reflect
that perceived risk.

"RicSeyler" > wrote in message
...

I have a big problem with the Insurance Companies not providing what their
contracts state
they are responsible for. And as far as the "rest of the people" bailing out
anyone?!?! We PAY
insurance companies premiums for that. NOBODY is bailing us out.. The
Government is putting
liens on people's homes for trees they can't afford to remove at the
moment.. That's not giving us anything.....


  #19  
Old January 10th 05, 10:13 PM
Charles Spitzer
external usenet poster
 
Posts: n/a
Default

if the contract states it, then i agree with you.

however, everyone in your state is not paying for their own damages. that's
not how insurance works. the costs get averaged over the entire insured
base, so the premiums from one part of the country (unless the company is
only selling in that part) is spread across the country to all insured being
covered in all areas.

seems that your increased rates are a result of the damages and increased
perceived risk in that part of the country. that alone will tend to drive
out both people who can't afford, or won't buy, insurance and companies who
don't want the increased risk. you'll be left with companies of last resort,
and they can basically write whatever they want into their contracts. if the
gov't forces them to have certain clauses, then the premiums will reflect
that perceived risk.

"RicSeyler" > wrote in message
...

I have a big problem with the Insurance Companies not providing what their
contracts state
they are responsible for. And as far as the "rest of the people" bailing out
anyone?!?! We PAY
insurance companies premiums for that. NOBODY is bailing us out.. The
Government is putting
liens on people's homes for trees they can't afford to remove at the
moment.. That's not giving us anything.....


  #20  
Old January 11th 05, 03:26 PM
lab~rat
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Posts: n/a
Default

On Mon, 10 Jan 2005 16:17:14 -0600, RicSeyler >
puked:

>I don't have any problem paying what it costs for insurance in my area.
>Just the companies not honoring their contracts and taking advantage of
>people
>just because they can. That's all I'm trying to say. :-) LOL


A friend of mine had her home damaged in one hurricane and the roof
peeled off in another. The insurance company is trying to hit her
with TWO deductibles, which are about 14,000 each.

Had the first damage been fixed timely, it's likely she wouldn't have
lost her roof.

--
lab~rat >:-)
The less you care, the more it doesn't matter.
 




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