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Finally - State Farm paid up, house to begin rebuild from fire!


MickinMD

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15 minutes ago, MickinMD said:

State Farm has finally agreed to my Case Manager's and Contractor's demands, made an initial $50,000 payment to them, and work on rebuilding my house will soon begin. The guess is 6-8 months to be completed and I'd still have 9 months left of State Farm paying for my apartment if it runs past that point.

During the March 3rd house fire, the house cleanup company that showed up and State Farm approved over the phone - having worked with that company often - recommended a particular Case Manager.  I didn't hire him immediately and spoke to State Farm the next day. The agent said he had worked with the guy before, it didn't seem like he stayed on top of things in one case, and I should know that the $14,000 he would get paid would come out of the total State Farm agreed to pay to rebuild the house.  I spoke to some others who said they or relatives had been cheated by the insurance companies because they didn't hire a Case Manager and just accepted what State Farm offered to their recommended contractor.

So I hired the Case Manager recommended by the cleanup company.

But I was having second thoughts going into the Fall.  For months, State Farm has been haggling with my Case Manager and Contractor about how much they'll pay to rebuild the house - quality of refrigerator, stove, furnace, etc. and NOTHING was done.

So State Farm brought in a new negotiator and now, a couple weeks later, they raised the total of what they're willing to pay by $60,000!

So the $14,000 that gets paid to the Case Manager has more than paid for itself!  Additionally, it's going to pay for cleaning up the yard that I was only going to partly get completed this fall and that's going to be completed by next week, weather permitting.

I didn't realize how much the wait and yard were stressing me out until I spoke to the Case Manager this morning!

On a completely separate note, yesterday I got a phone call from my local State Farm agent that my car insurance, same coverage, will be $117/year LESS starting next month!

Happy Days are here again - at least until the next crisis arises!

You’re welcome.
We had State Farm for years and never filed a claim. 

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7 hours ago, MickinMD said:

The guess is 6-8 months to be completed and I'd still have 9 months left of State Farm paying for my apartment if it runs past that point.

I can't remember...  is the home still intact enough that so weather (rain / snow) isn't causing more damage?    I sure hope so.  If not get the house closed in soon, before winter causes more damage.

That also can keep heat in the home, and allow work thru the winter.

 

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18 hours ago, MickinMD said:

Of course, I wish I had never had to file a claim but THANKS!  I'm not a Socialist, but the socialism built into insurance is a good thing!

Socialist programs for a society are a positive thing.  Social Security, unemployment insurance, medicare, WIC, housing assistance, etc.

It makes me laugh when people deride social programs, while they gladly receive social security checks.  

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34 minutes ago, Dirtyhip said:

Socialist programs for a society are a positive thing.  Social Security, unemployment insurance, medicare, WIC, housing assistance, etc.

It makes me laugh when people deride social programs, while they gladly receive social security checks.  

Social Security and unemployment are not social programs.  I have paid into Social Security for years from my paycheck.  They will return some of that money to me and the monthly amount is based on what I paid in.  That isn't a social program.  Unemployment insurance is paid for directly by the employer, not the government as some would like you to believe.  When I, as an employer lay someone off and they collect unemployment, my UI rate goes up.  It is use based.  When the government in my state decides to pay more benefits, my insurance rate goes up as an employer.  The state government will sometime float money to the program and the federal government will sometime float money to the states but the fund balances are ALWAYS made whole by the employer.  That isn't a social program.

 

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2 minutes ago, Kzoo said:

Social Security and unemployment are not social programs.  I have paid into Social Security for years from my paycheck.  They will return some of that money to me and the monthly amount is based on what I paid in.  That isn't a social program.  Unemployment insurance is paid for directly by the employer, not the government as some would like you to believe.  When I, as an employer lay someone off and they collect unemployment, my UI rate goes up.  It is use based.  When the government in my state decides to pay more benefits, my insurance rate goes up as an employer.  The state government will sometime float money to the program and the federal government will sometime float money to the states but the fund balances are ALWAYS made whole by the employer.  That isn't a social program.

 

They absolutely are.  It is paid for my companies and us, yes.  Managed by the governments. 

The same with socialized medicine in France.  It is paid for by taxes.  

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