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  1. #11
    Zombie Slayer
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    Sep 2009
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    Pueblo
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    USAA was 100 bucks more on the cars and $800 less on the house. I think they only insure military and ex military. Allstate agent was a total ass to me, GMAC was better rate, but not as good as USAA. USAA had a better deductible after GMAC went to raise deductible to $5k on the roof (hail). Get quotes from everybody you can...

  2. #12
    QUITTER Irving's Avatar
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    Nov 2008
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    Denver, CO
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    I don't have anything to do with this part of insurance. Dave and Ronin pretty much nailed it though.
    "There are no finger prints under water."

  3. #13
    Iceman sniper7's Avatar
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    Mar 2008
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    Brighton
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    My dads home insurance just went from $1000 a year to $3100....fire chief changed them from a level 4 to level 10. Swapped over and got it down to I think 2300. Still blows big time
    All I have in this world is my balls and my word and I don't break em for no one.

    My Feedback

  4. #14
    High Power Shooter Firehaus's Avatar
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    Feb 2013
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    Castle Rock
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    Default I hate insurance!

    Quote Originally Posted by Ronin13 View Post
    We've represented Travelers for over 60 years and they've been pretty stellar...
    Only time in 6 years I had them, I had a roof claim on my building. Even though they checked it 6 months earlier and said it was good to go, roof failed, and them I get a report that it was denied for not having maintenance and hail damage was over 20 years old even though 6 months prior the other adjuster didn't find any damage. Googled travelers and roof claims to find out I'm not alone in the screwing.

  5. #15
    Sig Fantastic Ronin13's Avatar
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    May 2011
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    Arvada, CO
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    Quote Originally Posted by Firehaus View Post
    Only time in 6 years I had them, I had a roof claim on my building. Even though they checked it 6 months earlier and said it was good to go, roof failed, and them I get a report that it was denied for not having maintenance and hail damage was over 20 years old even though 6 months prior the other adjuster didn't find any damage. Googled travelers and roof claims to find out I'm not alone in the screwing.
    I've heard this so many times, but never from one of our customers... By "they" who do you mean? Did you have a roofer come out and look at it? You are aware of two key things here- 1) you can appeal a claim denial, and 2) most insurance companies are pretty reluctant to pay out in a claim if it's not an obvious total loss.
    "There is no news in the truth, and no truth in the news."
    "The revolution will not be televised... Instead it will be filmed from multiple angles via cell phone cameras, promptly uploaded to YouTube, Tweeted about, and then shared on Facebook, pending a Wi-Fi connection."

  6. #16
    High Power Shooter Firehaus's Avatar
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    Feb 2013
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    Default I hate insurance!

    "They" was a traveler's representative. And yes, I disputed it. Only option left was to sue them for denying the roof claim.

  7. #17
    I blame everything on Tummy Aches
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    Sep 2011
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    Brighton
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    Insurance is great!

    Until you need to use it...

  8. #18
    At least my tag is unmolested
    Join Date
    Oct 2010
    Location
    CANON CITY, CO
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    I bought a house last year, and got a decent house inspector to look it over. He found two layers of roof - not great but acceptable. He spent four hours in the house.
    I've looked over the roof repeatedly as I know that there are flashing issues I've got to address this summer.

    Last fall, my insurance company sent some twit out to "inspect" the house. She was there five minutes, and claims 3 layers of roof. 'Cause she's a moron evidently. Insurance company sends me a letter last fall that says tell us when you "repair" that the roof has three layers. I sent them a copy of the house inspection that says two layers.

    Last week, they send us a letter that says they are not renewing the insurance on the house at the end of the policy, which is the 25th. Because I've not "repaired" something that does not exist.
    Sayonara

  9. #19
    Worlds Shortest Tall Guy kwando's Avatar
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    Nov 2005
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    Elizabeth, Colorado
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    So its down to AllState with Dave_L or Liberty Mutual... I like the peace of mind of having an agent that i've known for a while that i can call if problems arise. AllState is $300 more but having someone in an office that i can drive to and complain is worth it.

    Has anyone had experience with Liberty Mutual?
    "An armed society is a polite society when a man may have to back his last words with gunplay."

    My Feedback

  10. #20
    Guest
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    Apr 2009
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    Elizabeth, CO
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    Simon, I also have free donuts every Friday morning along with a toy box for the little ones if you bring them. Just sayin'...

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