Homeowner's insurance....
What is the point of having it?
My mom lives in a garage apartment on my property, we had a bad thunderstorm here a week ago which resulted in her getting struck by lightning. We don't know where or how, but she lost her television, vcr, telephone and computer. They were all fried. We have been trying to get this resolved through my homeowner's insurance.
You would think that they would send someone out to look everything over and determine the next step. No, they want me to bring her computer to someone to see what is wrong with it and if it can just be fixed. Okay, but I live an hour from any computer store, easier said then done.
There is a $1,000 deductible, which in all honesty it is better to just not file a claim because then my premium will go up.
So, we pay out thousands of dollars for homeowner's insurance for what? They aren't going to cut us a check for the full amount of her loss and if we do go through insurance they will raise my rates, so can someone please tell me why we have homeowner's insurance.
posted by Special K @ 8:40 PM
2 comments
2 Comments:
Oh, that just bites. We thankfully haven't had any run-ins with homeowner's insurance (yet), but I remember my parents getting frustrated with it when they had some downed powerlines in their yard that caused some damage.
What exactly do we dish out all that money for?
please let me know when you figure it out. WE just got our rates droped this year because we had to file a clain just before Quentin was born. Yes we pay them thousands a year, plus dedutibles and then AT LEAST hundreds more after we use the insurace we are always paying for, Dave and I have this heated discussion a lot, it really ticks us off, to no end.
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