May 27 • General discussion
Homeowners insurance companies are not your friend
Just a reminder that the PRIMARY job of insurance companies is to take money from your escrow every 6 months and do everything in their might to not pay you out when a claim has been submitted. They are not always right and you can use AI tools to call them out. My property is currently under construction and can be considered “vacant,” I had a thief that broke in and caused $24,000 in damages. I filed an insurance claim and it was denied because they “don’t cover vacant properties.” I sent the policy to chatgpt and chatgpt caught a loophole where they say “vacant homes that are currently under construction are not considered vacant.” I went ahead and submitted an appeal, they didn’t reply nor were not picking up my phone calls. I was ignored for almost 2 months. Ok cool, guess we going to do it the hard way. I filed a complaint to the states insurance administration and called a lawyer last week through LegalShield to send out a letter on my behalf. And LO AND BEHOLD… my first contact ever since my appeal 2 months ago… got an email this month saying the check is on its way. So lesson learned, these insurance companies will try you hoping you don’t challenge them. Don’t budge yall!
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Homeowners insurance companies are not your friend
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