Liberal Forum

"Fear not Californians, when your house burns down, you can apply for reparations."

https://projectpatriot.com/major-insure ... alifornia/
 

roadkill » 06 Jun 2023, 9:15 am » wrote: ↑

06 Jun 2023, 9:15 am

"Fear not Californians, when your house burns down, you can apply for reparations."

https://projectpatriot.com/major-insure ... alifornia/

they are also leaving the gulf states in droves and the old 100+ year old Mutual companies have gone and are going out of business. Read an article the other day the average homeowners policy in FL is $4000/yr. People will have to go to their States risk pool for coverage, which may or may not be good enough coverage to please the mortgage company....see where this is going? Then ALL the tax payers in that State will have to pony up more and more taxes, or the Feds will have to start their own insurance company...It's pretty **** up.

EDC4ALL! » 06 Jun 2023, 2:33 pm » wrote: ↑

06 Jun 2023, 2:33 pm

they are also leaving the gulf states in droves and the old 100+ year old Mutual companies have gone and are going out of business. Read an article the other day the average homeowners policy in FL is $4000/yr. People will have to go to their States risk pool for coverage, which may or may not be good enough coverage to please the mortgage company....see where this is going? Then ALL the tax payers in that State will have to pony up more and more taxes, or the Feds will have to start their own insurance company...It's pretty **** up.

$4,000 a year is moderate compared to other states.  

roadkill » 06 Jun 2023, 2:35 pm » wrote: ↑

06 Jun 2023, 2:35 pm

$4,000 a year is moderate compared to other states.

I HATE them. Insurance companies have this nasty attitude. They want to  ONLY insure perfect homes? 
NO- I pay you to insure mine-  like it is? stop hassling me about bushes! you assholes...

They made me install something that had worked for 30 years!  A separate chimney! My wood stove was hooked up to the same chimney  flu as the oil!
It actually works to burn off the crud. years!
After all that work- i had to pay 3 k to do what they wanted.... it somehow f'd up my oil furnace... I had a ton of trouble! i joined a havoc board for help- after 3 furnace guys- with a  over 150 years of experience--- couldn't figure it out...
That's where i got my name..... sooted up cyndi!    and i just kept it.

 

sootedupCyndi » 06 Jun 2023, 2:50 pm » wrote: ↑

06 Jun 2023, 2:50 pm

I HATE them. Insurance companies have this nasty attitude. They want to  ONLY insure perfect homes? 
NO- I pay you to insure mine-  like it is? stop hassling me about bushes! you assholes...

They made me install something that had worked for 30 years!  A separate chimney! My wood stove was hooked up to the same chimney  flu as the oil!
It actually works to burn off the crud. years!
After all that work- i had to pay 3 k to do what they wanted.... it somehow f'd up my oil furnace... I had a ton of trouble! i joined a havoc board for help- after 3 furnace guys- with a  over 150 years of experience--- couldn't figure it out...
That's where i got my name..... sooted up cyndi!    and i just kept it.

I wondered where you got yer name.   lol


 "it somehow f'd up my oil furnace"


I would think you would have a law suit.   

roadkill » 06 Jun 2023, 3:15 pm » wrote: ↑

06 Jun 2023, 3:15 pm

I wondered where you got yer name.   lol

 "it somehow f'd up my oil furnace"

I would think you would have a law suit.

Just a few months ago- I had the same problem!  Leave us alone!
The Local insurance guy told me- There was never a house in Maine burn down because of this sheet! It actually cleans off the soot! the only thing a person has to be careful is- don't turn both on at once... duh?..
But we must comply! They disturbed something workin good? Never to be the same- oh we tried changing it back!
Everybody Leave me alone!!!!!!!!  cost me a ton of money!
 
 
 

sootedupCyndi » 06 Jun 2023, 3:24 pm » wrote: ↑

06 Jun 2023, 3:24 pm

Just a few months ago- I had the same problem!  Leave us alone!
The Local insurance guy told me- there was never a house in Maine burn down because of this sheet! It actually cleans off the soot! the only thing a person has to be careful is- don't turn both on at once... duh?..
But we must comply! They disturbed something workin good? Never to be the same- oh we tried changing it back!
Everybody Leave me alone!!!!!!!!  cost me a ton of money!

The insurance company was wrong. Go for it!

roadkill » 06 Jun 2023, 3:26 pm » wrote: ↑

06 Jun 2023, 3:26 pm

The insurance company was wrong. Go for it!

Nasty father was kind of smart- he knew what he was doing- he set it up... I inherited this house.
but because of the insurance company's- they set something bad in motion!

it's cost me thousands- and I don't have this kind of moo-la!
 

sootedupCyndi » 06 Jun 2023, 3:30 pm » wrote: ↑

06 Jun 2023, 3:30 pm

Nasty father was kind of smart- he knew what he was doing- he set it up... I inherited this house.
but because of the insurance company's- they set something bad in motion!

it's cost me thousands- and I don't have this kind of moo-la!

I understand...it sucks!


I'm sorry you had to deal with that.   

It all boils down to CA demanding that some rates be decided by the state and not the insurers. All I have to say is feel free to hop the state line and come to NV or if you are so bold.. go to UT.

roadkill » 06 Jun 2023, 2:35 pm » wrote: ↑

06 Jun 2023, 2:35 pm

$4,000 a year is moderate compared to other states.

on what value home???? The average was probably $2000 or so .  When Insurance companies that were well over 100 years old, suddenly go out of business, it
means that $4000/yr isn't enough. People just don't understand. Insurance companies can NEVER lose money over any period of time. When they do, they are gone. And hopefully some other company is willing to buy up that book of business, or the policy holder is pretty screwed.

This is what I mean. You can't say that is cheap compared to other States. Look at where Florida sits in median home value. And HO premium is set mainly by the value of the home.

https://www.rockethomes.com/blog/housin ... e-by-state

impartialobserver » 06 Jun 2023, 4:16 pm » wrote: ↑

06 Jun 2023, 4:16 pm

It all boils down to CA demanding that some rates be decided by the state and not the insurers. All I have to say is feel free to hop the state line and come to NV or if you are so bold.. go to UT.

LOL. See, that's how stupid people really are. If they do that, there will be no insurance companies at all!

EDC4ALL! » 07 Jun 2023, 10:27 am » wrote: ↑

07 Jun 2023, 10:27 am

LOL. See, that's how stupid people really are. If they do that, there will be no insurance companies at all!

It was in response to the wildfires that have impacted NorCal the last few years. The thinking was that insurance companies could handle less profit and then it would slow the exodus of folks to NV, UT, and ID. Flawed thinking but there it is. 

roadkill » 06 Jun 2023, 9:15 am » wrote: ↑

06 Jun 2023, 9:15 am

"Fear not Californians, when your house burns down, you can apply for reparations."

https://projectpatriot.com/major-insure ... alifornia/

EVERYONE, companies, individuals, and families are leaving California.  Newsome should be proud.
 

impartialobserver » 07 Jun 2023, 10:34 am » wrote: ↑

07 Jun 2023, 10:34 am

It was in response to the wildfires that have impacted NorCal the last few years. The thinking was that insurance companies could handle less profit and then it would slow the exodus of folks to NV, UT, and ID. Flawed thinking but there it is.

It's called INSURANCE for a reason. What happens if during whatever arbitrary period the government thinks the insurance companies can make "less profit" (how much less???), another MAJOR event hits and they can't pay the claims????? Not all companies are megas like Am Fam, State Farm, Nationwide....

EDC4ALL! » 07 Jun 2023, 11:17 am » wrote: ↑

07 Jun 2023, 11:17 am

It's called INSURANCE for a reason. What happens if during whatever arbitrary period the government thinks the insurance companies can make "less profit" (how much less???), another MAJOR event hits and they can't pay the claims????? Not all companies are megas like Am Fam, State Farm, Nationwide....

oh I agree. Anyways, they should come to NV, UT, or ID. Both the insurers and the affected population. Will this population increase inevitably lead to more left-leaning politics.. probably. It already has. 

EDC4ALL! » 07 Jun 2023, 10:26 am » wrote: ↑

07 Jun 2023, 10:26 am

This is what I mean. You can't say that is cheap compared to other States. Look at where Florida sits in median home value. And HO premium is set mainly by the value of the home.

https://www.rockethomes.com/blog/housin ... e-by-state

ha. Folks can buy a mansion up here for 200k! I mean it.
but it's a tuff climate to live in.
 

impartialobserver » 07 Jun 2023, 11:42 am » wrote: ↑

07 Jun 2023, 11:42 am

oh I agree. Anyways, they should come to NV, UT, or ID. Both the insurers and the affected population. Will this population increase inevitably lead to more left-leaning politics.. probably. It already has.

liberals that leave a  Blue State where their voting practices **** up that State so bad they had to leave, then go to a Red State for relief, then start **** that State up too, need to go only to one place. The Train Station.......

EDC4ALL! » 07 Jun 2023, 12:32 pm » wrote: ↑

07 Jun 2023, 12:32 pm

liberals that leave a  Blue State where their voting practices **** up that State so bad they had to leave, then go to a Red State for relief, then start **** that State up too, need to go only to one place. The Train Station.......

In a fantasy, they would disappear but that I am not one to argue about fantasy. So there are two choices.. stay or go. Not every body that leaves CA is a die-hard liberal. Population growth is highly correlated with left-leaning politics.. it just is. My hometown, Boise, proof of this.