SDS Posted December 24, 2009 Share Posted December 24, 2009 the issue is not so much 1 claim, as this article states, but the propensity for multiple claims. insurance companies risk models take into consideration that the average homeowner files a claim every 10 to 15 years. and the first occurance of a claim, whether covered or not increases the propensity to file another......... or so the statistics show........ any guy that files a claim for "spoiled food" on his policy is definitely in the group of "those who file claims"... He's lucky they bothered keeping him at all. Link to comment Share on other sites More sharing options...
Nanker Posted December 24, 2009 Share Posted December 24, 2009 Yep...risk models...like for health coverage. Well, that's to be soon over... Maybe this is the next thing to be changed. Government run homeowners insurance for all. Hey, I'm an American, I have a right to homeowners/renters insurance. Link to comment Share on other sites More sharing options...
loyal2dagame Posted December 24, 2009 Share Posted December 24, 2009 any guy that files a claim for "spoiled food" on his policy is definitely in the group of "those who file claims"... He's lucky they bothered keeping him at all. sds, you'd be suprised how many people we had claiming no physical damage to their home but filing for spoiled food after the october storm. i think the local news telling everyone they could file a claim for spoilage cause a mad rush to grab money. what the news did not tell them is the impact the se small claims could possible have... Link to comment Share on other sites More sharing options...
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