Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

Hey everyone! I currently have metlife for my one dog and want to add my newly adopted dog. They tried selling me on their preventative but I feel like when I get a new quote on their site the information is different than what was being pushed to me over the phone. These are the pictures I have. She said that all my dogs flea and tick would be covered for the year after my deductible but if I'm reading this correctly I would only get a payout of $75 for the year. Is that correct? That doesn't seem worth it at all. Also, She was actually so pushy I'm also considering switching insurances completely.. I've looked into AKC, Spot, and embrace but I need one that covers potential foreign object ingestion and AKC only has once in a lifetime which to me is crazy. My pup picks up stuff on a walk, chews on sticks, etc I'm almost about to put a muzzle to be safe. Thankfully nothing bad so far, but after my aunts experience of her dog swallowing an Avocado pit I want to make sure I have one that covers this just in case.

Was with another major isuance player, and was dissatisfied on their customer service. Will be nice and not mention the name. Erie Insurance was recommended to me by family member. Thhey have been with them for years and satisfied with their agent. I called Erie for a quote last month bu they were havig system issues. Agent advised they would call me back when resolved. It took almost 3 weeks (they called Thursday. So what do you think of Erie? Would you be timid about a company that was 'down' for almost 3 weeks (unable to service existing policies or quote new policies)?

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

Repost 😆 I was rear ended at a light…luckily I was the only one in the car. The other driver accepted liability and I’m going through their insurance. I did get whiplash which I could feel a bit after the accident along with a bad headache. The pain is lingering a few weeks later now in my neck and shoulder. The injury claim adjuster offered $500 to sign an injury release. I want to avoid lawyers and running up medical bills etc for an injury that will likely heal over time. From industry experts or others with similar experience, what’s a fair settlement?

My 2024 Hybrid XLE Rav4 got pushed into a ditch while on the freeway with less than 7K miles on it. Opposing driver did admit fault and the car's recently been repaired. Subrogation is completed and I received a refund for my deductible. I have the total cost of repairs receipt equaling out to around 15 K and currently have one of my friends who works in finance at a dealership pulling up some numbers to compare my car pre-accident value and now. I have the police report and some pictures of damages. I already hit up progressive and they essentially just said to send whatever it is I have over but I feel like there should be more to it. If anyone knows anything about this and is willing to help, I'd appreciate it. 1. Do I absolutely have to get an appraisal and spend money on a report?

Does anyone have experience with this company? I don’t expect any claims but how are they in this area? I’ve had Foremost for several years but this renewal they screwed me with 3x increase. No claims. I’m in SoCal. Apparently another broker couldn’t find me a quote and my current broker has ignored several of my inquiries for options. I understand it’s tough to get affordable fire insurance in Cali. Arghhhh

Currently have State Farm (been with them for 12+ years), and just learned that the defensive driving and good grades no longer available for teen drivers. Just the defensive driving and steer clear. Is that the new norm for insurance companies? Trying to obtain as many discounts for my teen driver that he could be available for. Didn't know if it was time to shop around!?!? ETA: Next best option to shop around to? State Farm was pretty reasonable when I added him, and has been good to work with. Bummed about the news.

I’ve had liberty mutual since i leased my Jetta in 2021. My rate was $145/month until jul 2023, when my coverage renewed and then it increased to $197. Then increased again to $225 in jul 2024. I called and spoke to an agent to ask about the increase and they said it had nothing to do with my credit and that rates were simply rising across the board… In 2022 I had a small fender bender with someone while parking, my insurance covered it i think. I never followed up with my insurance to see if they actually filed a claim. In 2023 my car was side swiped by someone parallel parking and they left a note and their insurance covered the damage and repair. But that was the only accident i had. No speeding tickets, but i did have many parking tickets (my city is brutal). Now I’m wondering if I should shop around, but seeing other peoples posts im not sure if $225 is even that high rn? My credit score is 759 and I make $72,800 a year before tax.

Hi guys ! I'm considering switching pet insurance plans for my 6 year old mini Aussie. I currently have MetLife Pet Illness and Injury, but with one minor shoulder injury - maxed out my benefits after one visit. As my baby gets older - I want to make sure I have the best coverage for him - especially with ortho treatments ( ie. PRP injections) Any Recommendations would be very appreciated !