[TowerTalk] New Homeowners insurance underwriting rules.

[R. Kevin Stover]

Three years ago we had a nasty ice storm come through.
Antennas rode it out fine. The 70' Fir in the front yard didn't.
It lost a limb, maybe four inches in diameter which hit the house and 
took down one section of rain gutter. No other damage was done.

We filed a claim to get the 20' of gutter replaced which was done. Two 
weeks later we received a letter from the insurance company stating that 
if that particular tree EVER caused ANY damage to the house again they 
would not cover it.

I wanted to dump the company and get someone else but she who must be 
obeyed was personal friends with the agent, another bad idea, so we 
ponied up the $2,000 to take a perfectly good tree down.

Every time I'm out in the yard people ask what happened to the beautiful 
tree that was there. I tell them exactly what happened. "XXXXXX 
insurance company (which just happens to be headquartered here in Des 
Moines) forced me to cut it down". One of their employees who is a good 
friend of the family tried to dispute that claim.....till I showed him 
the letter.

I think some of these companies are of the opinion that they are 
indispensable and can't be replaced.



-- 
R. Kevin Stover

ACØH