claycity, i think you should try another company.  you should get replacement cost. there are some pretty good insurance companies out there. i only lost l tree but my adjuster was talking about cleaning the debris around my house like limbs and everything. i think they pay so much for that.

rose:
no i evidently didint. my lot is so big (Not really but according to them,  its only 5 acres) and so few of the trees were endangering the house, only two actually fell on it that they filed a claim but it didint meet my deductable. they said only if the trees endangered the structure would they remove them. my house was built in 79 for about 80k but i coudlnt replace it for that and that doesnt include the contents. i dont face the risk of flooding i am on the high side of fish river north of 32 but all my south neighbors got 18k grants to elevate thier houses.and i thought i had great coverage (Old USAA, not the new one that insures all the military the select original group) but now have resigned myself to the fact that i am pretty much on my own and will only get a payout with a total loss of structure, and it wil be minimal. dropping the wind and hail coverage this year really scares me.

yes carl, i think so. somebody has to profiting by all these bank closings. wonder what really is going on. i do not think its just the housing market. i am starting to smell a rat.

Recon that’s gonna be the death notice for many more people’s policies ?

claycity, didnt you have coverage to clean up? i mean like fallen limbs trees etc., we did and they used that to apply to our deductable. i think sometimes it just depends on the adjuster you get. wether they had a good lunch or a bad lunch. we tried to get a government loan for the store and it was loaded down with so much paper work it was unreal. now i hear in texas it is not going to be that bad.

here you go carl, i just found this on the black monday article.

The world’s largest insurance company plans to
announce a major restructuring Monday.

ivan was the worst for me since frederick. i lost over 100 trees on my lot, it took nearly three years of unassisted work and thousands (Well maybe only three or four thousand) to get my lot cleaned up and clear. i got no assistance from fema financially and my hurricane deductable didint cover my structural damage. i am left with about 100 trees on my lot and daily i discover more that the tap root snapped on and they are waiting on a strong wind to topple them. and yet i continue to live here while my coverage goes down and the premiums go up. what am i thinking.

yes carl, i agree. insurance is going to go up for sure now.

i would give these looters a paid vacation. i would send them to saui arabia with a sign around their neck that reads “ i steal”

I have never seen so many trees down as in Fredrick. The strong winds seem to have been lower to the ground than other hurricanes and I credited the trees for saving many lives, acting as wind breaks. I had damage but nothing serious and a few big trees down. Now I worry more about damage after being priced out of home owner’s insurance. Boy,the insurance company sure walked away grinning like a horse eating briers after pushing me out the door after paying premiums for about 42 years.