File a claim, not likely to go up. But there is a chance you will be dropped when the policy is up. And, if you change companies, you will pay $$$ to get insured.
Five years ago, a neighbor had a tree fall on his roof and did about $6,000 in damages. He filed a claim with his insurance company and the adjusted told him that he can file the claim, but it would be wise to pay for it himself. My neighbor said screw that! I pay for insurance, so fix it! The insurance company paid to remove the tree. About 1/2 a year later, he gets a letter from the insurance company that says they will not be offering him a renewal on his policy. So he had to find another company. His premium went from $400 a year to $1950, with the cheapest quote one he could fine. File a claim, no matter how small or who is at fault, and you get screwed. I ran that by my insurance agent when I bought my house and she said basically, the insurance is there incase your house is completely destroyed. Made me feel comfortable when I was signing the paper work. -----Original Message----- From: Ray Champagne [mailto:[EMAIL PROTECTED] Sent: Thursday, October 05, 2006 7:34 AM To: CF-Community Subject: RE: Holy Cow! largest hail storm I know nothing about insurance premiums, but hail really can't be considered your fault, right? Not like an accident. So, why would your premium go up? I have a sis who is a claims adjuster, I just fired her an email to see if she might have an answer. > -----Original Message----- > From: Paul Ihrig [mailto:[EMAIL PROTECTED] > Sent: Thursday, October 05, 2006 10:26 AM > To: CF-Community > Subject: Re: Holy Cow! largest hail storm > Importance: High > > yeh i dont care about my beetle, but are filing a claim on my wifes honda civic. > also filed on the roof, since we took on water last night. > > not sure how much our premiums will go up. > > On 10/5/06, Ray Champagne <[EMAIL PROTECTED]> wrote: > > Yep, that was one of them. Exeter was the one that I was really thinking > > of, but Manchester was hit pretty hard, too. > > > > It was kinda funny (as I'm sure Paul can attest to now) to see the cars > > driving around with all the little dents over 90% of the car. Like a bunch > > of golf balls driving around. > > > > Body shops definitely had no shortage of work. > > > > > -----Original Message----- > > > From: Duane [mailto:[EMAIL PROTECTED] > > > Sent: Thursday, October 05, 2006 9:17 AM > > > To: CF-Community > > > Subject: RE: Holy Cow! largest hail storm > > > Importance: High > > > > > > That city wouldn't be Manchvegas would it? > > > > > > > > > > > > -----Original Message----- > > > From: Ray Champagne [mailto:[EMAIL PROTECTED] > > > Sent: Thursday, October 05, 2006 9:46 AM > > > To: CF-Community > > > Subject: RE: Holy Cow! largest hail storm > > > > > > That was pretty gnarly. We had one of those up here this summer, worst > > hit > > > was a city that is known for it's car dealership concentration. We still > > > are seeing ads on TV for "hail-damaged" cars for sale on the cheap. > > > > > > See you shaved the beard. No more Forta look-alike contests for Paul. :) > > > > > > > -----Original Message----- > > > > From: Paul Ihrig [mailto:[EMAIL PROTECTED] > > > > Sent: Thursday, October 05, 2006 8:16 AM > > > > To: CF-Community > > > > Subject: Re: Holy Cow! largest hail storm > > > > > > > > ok here we go. > > > > video 1 has a glitch at end, think i took a photo on tape > > > > video 3 has me in it > > > > the street in front of the house turned into a stream.. > > > > > > > > http://adlunam.com/hail/DSC00015.jpg > > > > > > > > http://adlunam.com/hail/hail1.wmv 940 098 KB > > > > http://adlunam.com/hail/hail2.wmv 3 877 944 KB > > > > http://adlunam.com/hail/hail3.wmv 7 673 498 KB > > > > > > > > > > > > > > > > > > > > > > > > > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Introducing the Fusion Authority Quarterly Update. 80 pages of hard-hitting, up-to-date ColdFusion information by your peers, delivered to your door four times a year. http://www.fusionauthority.com/quarterly Archive: http://www.houseoffusion.com/groups/CF-Community/message.cfm/messageid:216825 Subscription: http://www.houseoffusion.com/groups/CF-Community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=89.70.5
