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Roy Janik

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complication number 1 [May. 30th, 2002|05:33 pm]
Roy Janik
OR: Did I ever mention how much I hate insurance companies?
So obviously I need homeowner's insurance for my new place. Not so obvious is the fact that I need to have it before closing day, so that my loan will go through and everyone will be happy. Okay, fine. So Scott recommended a certain agent, and I called him to find out how to go about it. Unfortunately, he basically said that they couldn't take new clients, and that hardly anyone is taking new clients. If I had renter's insurance or something with them, it would be fine. First of all, WHAT? And second of all, What could be the reason for this?

Well, it turns out the reason is MOLD. It seems that last year mold-related claims slammed the home insurance business in Texas. Gary (the guy I talked to) cheerfully told me that he alone lost 4 million dollars for State Farm due to mold claims. So I started reading articles on this, and it seems that the Insurance companies are all off writing up new policies that exclude mold from what they're liable for. Yay!

So hopefully, he's full of it, and I can find insurance elsewhere. I mean, there are new people buying their first home all the time.. right?
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Comments:
From: (Anonymous)
2002-05-30 07:16 pm (UTC)
your parents may be of some help here
find out who they use
have them call there guy
and see if he can hook you up with a company here
and then perhaps you might be set

but you have probably already thaught of all of this

todd

and most college students by the way dont have renteres insurance cause there parents homeowners covers it
and well you dont own the apartment, and most college students are poor as shit

(Reply) (Thread)
[User Picture]From: nekomouser
2002-05-30 08:10 pm (UTC)
Yeah, Parent's are the best bet. I couldn't even get renter's insurance due to mold claims, so it is pretty serious. I even had to sign a special addendum today with my lease solely about mold and how I'd be liable for damage if I allow a leak to go unfixed because insurance won't cover it.
(Reply) (Thread)