In '96, I was working some for a small mutual ins. company that writes only in NC when this little breeze came through: http://www.wral.com/weather/hurricanes/page/8029058/ We had one claim where the owner had listed "everything" lost/damaged/destroyed. The question in the office was... "How do you depreciate a box of crayons?"...and I'm serious about that.
Your policy is a "contract" that has its terms and conditions spelled out...nothing more or less. If the "strong arm thugs" could know in advance how much $$$$ would be needed each year to pay losses, life would be much simpler for policy holders as well as the company.
As far as rate increases...MY rates went up after that event and I live far away from storm area.
I'm truly sorry to hear that you folks had wind losses...but won't you consider, please, cutting the "damned bunch of strong-arm thugs" a bit of slack? You could/would be in much worse shape without the insurance company.
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Today's Featured Article - The Day Mom Drove the 8N - by Brian Browning. My Dad was wanting to put in a garden but couldn't operate the 8N and handle the old horse drawn plow he had found and rigged up to use with the tractor. Well, he decided to go get Mom out of the house and have her drive the tractor while he walked behind the plow. You got to understand that while my Mom is a hard worker who will always help whenever she can... she had never operated farm machinery before that day. Dad got her out there, explained how the clutch was the same as in our o
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