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Diver1111 · 12-27-2009, 11:16 PM

Do not make a claim UNLESS you think you MUST. P&C Insurers (Property & Casualty) are NOTORIOUS for canceling your property coverage if you so much as even burp about a loss-no kidding. I mean they WILL cancel you in a New York minute-believe it-for the most minimal of claims.

My family has owned a house in Weston, MA (valued at about $1.3M) which we built in 1960-and in 50 years of ownership ("fifty") have never had a claim-NOT ONE.

My parents had hot/cold water faucets in the garage-for some reason after their deaths in 2008 while the house was vacant-the garage door was found open when my plow-guy came in one night to do his thing and told me about it-he knew the parents had passed, and that the house was vacant, hence his call to me as to why the garage door was open (a mystery to this day, among other odd happenings).

Bottom line: cold weather burst one of the pipes in the garage due to the door being open and sent water into the basement-our primary point of access to the house off the driveway. While my father the mechanical engineer had the foresight to install drains in both the garage and the furnace room off the garage adjacent to the basement-and the fact that only 1" of water had accumulated causing "minimal" damage-we got screwed on the spot by the-and I use this term loosely-"Insurer". Major dirtbags-and the local agent in Wellesley MA was useless on this issue.

Claim paid ($3,500+-), then the policy was promptly canceled by them.

Please take my warning to heart-this is accurate information, although you never really know what these dirt-bag P&C Insurers will do....think "Katrina" if you want an earful....

12-27-2009, 11:16 PM	#20
Diver1111 Senior Member Join Date: Jun 2005 Location: Exeter NH Posts: 611 Thanks: 0 Thanked 1,034 Times in 229 Posts	DO NOT make a claim Do not make a claim UNLESS you think you MUST. P&C Insurers (Property & Casualty) are NOTORIOUS for canceling your property coverage if you so much as even burp about a loss-no kidding. I mean they WILL cancel you in a New York minute-believe it-for the most minimal of claims. My family has owned a house in Weston, MA (valued at about $1.3M) which we built in 1960-and in 50 years of ownership ("fifty") have never had a claim-NOT ONE. My parents had hot/cold water faucets in the garage-for some reason after their deaths in 2008 while the house was vacant-the garage door was found open when my plow-guy came in one night to do his thing and told me about it-he knew the parents had passed, and that the house was vacant, hence his call to me as to why the garage door was open (a mystery to this day, among other odd happenings). Bottom line: cold weather burst one of the pipes in the garage due to the door being open and sent water into the basement-our primary point of access to the house off the driveway. While my father the mechanical engineer had the foresight to install drains in both the garage and the furnace room off the garage adjacent to the basement-and the fact that only 1" of water had accumulated causing "minimal" damage-we got screwed on the spot by the-and I use this term loosely-"Insurer". Major dirtbags-and the local agent in Wellesley MA was useless on this issue. Claim paid ($3,500+-), then the policy was promptly canceled by them. Please take my warning to heart-this is accurate information, although you never really know what these dirt-bag P&C Insurers will do....think "Katrina" if you want an earful....