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Joined 1 year ago
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Cake day: June 22nd, 2023

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  • So I’m an insurance agent who has also been through a house fire personally. Any of the options people have suggested here would be fantastic and far better than what most people have, which is nothing.

    What I suggest to my clients is to make a video once or twice a year walking through your house, inside and out. Video makes it less likely to miss a small detail that turns out to be important later than pictures, but pictures are also helpful. Insurance aside, it’s kinda fun to look back and see how things have changed through the years. I like to do it around Christmas.

    Ideally that would be in addition to a spreadsheet or something with receipts and serial numbers and individual photos of specific items, but that’s a lot of work and hardly anyone keeps up with it on a consistent and long-term basis.

    Whatever you end up doing, it’s useless if the only copy is stolen, burned, or sprayed with a hose. This is one thing I keep with a major cloud provider with a local backup. At the very least, make sure you have an off-site backup that’s reasonably up to date.



  • Tracking for my LE was like that all weekend, but it updated with details last night. It was actually picked up Friday for delivery tomorrow, so something might be wonky with UPS tracking.

    If it matters, mine is headed to Pennsylvania. It was shipped from Illinois. Ordered at 11:57am PST according to the confirmation email. You ordered quite a bit before I did, so hopefully yours is on the way too.



  • Lots of games are made for adults, and relatively few mainstream games have sex scenes at all. Many of the games with sex scenes have an option to disable those scenes and nudity. Practically all of them have an M rating with specific content descriptors on the box or store page, making it easy for parents to avoid it altogether. All modern game platforms also have parental controls that can be set up in a couple minutes.

    All this is to say that if kids are seeing sex scenes in games, it’s because their parents have ignored all the warnings and options. For a parent to say that these types of games should not be made (as one of the above commenters did) for adults because they’re too lazy and feckless to use any of the options available to control and monitor the types of content their children consume, when it’s been made so easy, is disturbing. It’s especially disheartening to see it in a gaming community, from someone who presumably plays games themselves and therefore has absolutely no excuse to not know about the options available. I’m accustomed to hearing it from places like Fox News, but not here.



  • I’m biased, but brokers and independent local agents are definitely the way to go. Going direct through one company means that everyone you talk to has no choice but to put that company’s priorities ahead of yours, even when they’re wrong. As an independent agent, if a company stops treating people fairly, we can just stop writing with them and offer our customers quotes with other companies. I also think there’s a lot of value in having an actual person with a local office that knows your situation and can help if things go sideways. I’ve physically been to every house I’ve ever written a policy on. You don’t get that online.



  • I’m an insurance agent and I’m constantly frustrated by shit agents and shit companies giving all of us a bad name. Not that I always agree with the decisions from our claims people, but they generally try to be fair. I’m assuming this was long enough ago that it’s too late now, but for anybody else reading this who runs into a similar situation, you may have some recourse.

    My first stop, if I have a local agent, would be their office. I would calmly and politely (agents don’t make coverage decisions so it isn’t their fault) explain the situation to them. They have a vested interest in keeping their customers happy and they may have access to claims supervisors who can make it right. They probably don’t want to lose you as a customer, especially over such a small claim.

    If I’m still not happy, I would start pestering the adjuster to talk to their supervisor. Don’t be rude, but be persistent. Call every day. Leave messages and emails until you get the supervisor.

    If they won’t give you a supervisor or the supervisor is no help, you can go above the claims department. It’ll be different for each company, but look for contact info for the “office of the president” or something like that. In my experience, those calls always get looked into by someone who has the power to really ruin your day as an agent or claims person. If you get a call from them, you had better either have a good explanation for why you did what you did or fix it in a hurry.

    As a last resort, check with your state’s insurance department. You may be able to file a grievance.

    I take claims practically every day and I can’t imagine this not being paid. I’m not sure why it would even be questioned, since it’s your first claim and it’s not huge. Could be that that particular adjuster is an idiot or on a power trip, but it’s also possible that the company is just shady.