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Of course you've heard of insurance companies that operate on the "risk sharing" business model, but have you ever heard of an insurance company that operates on the "force-field disaster prevention" business model?
Remember that intense hail storm that wreaked havoc in the Sandusky area back in May?
I was caught driving in the family van when the storm tore through Sandusky. Thinking I had time to make a quick trip to Target before it came through, I left with the storm looming on the horizon. When the rain came down in a steady torrent, I was forced into the Meadowlawn gradeschool parking lot for lack of visibility.
Then the hail started.
It sounded like I was caught in the middle of a shootout on Hancock street. I literally pulled up next to the school to avoid getting the van roof dented-up, but that did no good. The hail stones were bouncing off the school roof and smacking the car as if I had parked right in the middle of the parking lot.
When I got back home I checked on the wife and kids and then walked around the house to assess the damage. To my surprise I only found about 6 or 7 places where the stones had punctured our vinyl siding. I could only imagine how bad the roof was damaged. After talking with several neighbors, I decided to call my insurance company to figure out where we stood on making a claim for hail damage.
Every one of my neighbors who had insurance adjusters inspect their properties had been told that they needed to have their roofs replaced, so I was sure that I'd be told the same thing.
But that's not what happened. Instead, after a brief roof-top inspection, I was notified by our Allstate claim adjuster (a member of Allstate's crack national disaster team!) that Allstate had turned on "force field disaster prevention" coverage days before the hail storm and that there was no hail damage whatsoever on my roof! Even though every property around me was hit hard enough to have their roofs replaced, and the adjuster said that the siding on our house was damaged extensively - he claimed that we sustained no hail damage on the roof at all!!
How cool is that?!
Imagine! I was surrounded by unlucky people who paid their expensive insurance premiums hoping that their property wouldn't be damaged during an act of God like a hail storm, but low and behold, their properties were damaged and had to replaced. Why pay insurance with one of those companies, when you can pay premiums to a company like Allstate? After all, what other company has the power to actually prevent storm damage?
You truly are in good hands with Allstate.
August 10, 2010
I stand satisfied.
My agent, Jarrod Gennari, reviews each claim made by his customers. After reviewing our claim, he asked for an additional review by another adjuster. The next adjuster paid us a visit, conducted a lengthy inspection - and paid for all damage caused by the hail storm.
I'm now being told that several other Allstate customers complained about the previous adjuster and that that person is no longer working in this area. From the stories I'm being told, he sounds like a rogue adjuster. No claim is final. They can be adjusted upon request and proof.
In fairness, I have to say that I'm completely satisfied by the outcome thanks to the diligence and customer service of my local agent.
There's a lesson to be learned here: If you don't complain to the right people, you might as well not complain at all.