[TowerTalk] insurance and towers

[Tom Anderson]

There is a process like the credit bureaus to get a copy of the claims 
filed in the past on your property with the clearinghouse most insurance 
companies use and other information the insurance companies have on your 
home.  They were real specific that my name (full legal name not 
nickname) match their records along with SSN, etc.  I'm sure your 
homeowners ins. agent can give you the name and address of where to write.

My State Farm agent gave me the address and I wrote them a couple years 
ago and it listed the claims my XYL and I had filed since we moved here 
in 1992.  One was a water claim from a hot water heater that had a line 
rupture and the other was a lightning damage claim.  Fortunately my 
insurance agent goes to the same church as we do and his wife and my 
wife both play in the church handbell choir so I can talk to him about 
possible damage without it generating a claim.  


Tom, WW5L



Jim Lux wrote:

>>In your case, the record should be adjusted to reflect ONE claim.
>>Inquiries in which no claim was filed should not be entered into
>>the CLUE database and multiple claims as a result of a single
>>event (Lili) should be entered as a single event (even if the
>>insurance company processes the claims separately).
>>
>>Much like the Credit Rating Agencies, CLUE is required to repair
>>incorrect data and/or include customer responses (on request) in
>>the event of "unfavorable" records.
>>
>>
>>    
>>
>I don't think there is an equivalent to the federal Fair Credit Reporting
>Act  (which is what requires credit reporting entities to correct erroneous
>records) for other similar databases (CLUE, MIB, ChexSystems, etc.). Some
>states may have laws for this, though. By and large, in the U.S.,  anyone
>can collect any sort of data they want and sell it or use it however they
>want.  The collector of the data is the owner and is responsible for the
>data's use. The EU is very different, by the way, essentially saying that
>personal data is the property of the person, and that the person has to
>explicitly give permission for further use, etc.  This causes big problems
>for multinational corporations with data processing facilities in the US who
>want to process "personally identifiable data" from EU partners/subsidiaries
>(think bank and credit card accounts).  Read those annual privacy
>disclosures very carefully!
>
>
>  In fact, the FCRA was put in place to shield credit agencies from libel
>and slander lawsuits along the lines of: If you promise to correct errors,
>etc., then we'll prevent people from suing you for for distributing
>incorrect derogatory information.  In theory, one can sue an organization
>which runs a "CLUE" type database if they distribute incorrect information,
>but you'd have to prove that it caused damage to you (very, very tough) and,
>odds are, at some point, you signed or agreed to some form of contract that
>waived that right to sue (probably when you bought your insurance).
>
>It's not so much the data, as the use to which the data is put.  If the
>database shows you had two instances of damage and two inquiries (albeit all
>related to the same "root cause") and you actually had two instances and two
>inquiries, then the database is correct.  It's the insurance company's
>subsequent interpretation of the data that's the problem, and that's mostly
>a matter for the state's insurance regulator as far as rates and
>eligibilities go.
>
>Jim, W6RMK
>
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