Homeowners Insurance: What a racket
May 18th, 2006 by GoldenAppleCorp
When we bought our house, AT’s dad the Biscuit recommended Tennessee Farm Bureau. They’d done him right for several years, and after we went around getting some quotes, we found they were the cheapest by far.
Well, as the saying goes, you get what you pay for. Our policy was cancelled today through some serious ineptitude.
Our insurance go-to guy, Chance Boffing (name changed to protect our asses), has been trying for some time to get us to switch our auto insurance from our current company to TFB. When we got a letter from TFB a few weeks ago saying something to the effect that he would like to discuss if and how our policy would need to be modified, we assumed this was another attempt to get us on his side.
A few days later, I received a post-card type mailing that asked if I would like to do a survey on TFB’s performance. Since it didn’t say it was mandatory, I opted to do better things with my time. Besides, up until now, we’ve not had to deal with TFB other than paying our yearly membership dues, so I didn’t have much to say.
Then shortly after the survey, we received a letter saying our policy would be cancelled effective May 18th because TFB couldn’t confirm we still lived here. Apparently the letter about modifications was some sort of secret-society test to see if we were worthy of being policy holders for another year. If the letter had said “Hey, fool, if you don’t call me or write me back, we’re cancelling your policy”, I daresay I would have contacted them immediately. Also, card-carrying Mensa member Chance Boffing himself supposedly drove by our house to try to confirm residency and couldn’t tell by the new paint job, art on the front window, toys in the yard and curtains in the window that we do, in fact, still live here.

When we got the notice that our insurance would be cancelled, AT immediately got on the ol’ horn to straighten the situation out.
No answer at the office and no answering machine. What self-respecting company doesn’t have voice mail or an answering machine in 2006? A company that doesn’t want my business, that’s who. Not only that, but they rarely pick up the phone during normal business hours. AT’s tried to call at various hours of the day and has come to the conclusion that Chance must do his best work sans office. In fact, his secretary told us the other day that he’d be out for over a week, so no, there wasn’t anything she could do to help. Yeah, Chance is the only agent at this branch.
The last time AT talked to anyone at the office, they assured us that the matter would be taken care of, we would not lose our policy and they are very sorry about the mix-up. That’s all well and good, but when he called this morning, he was informed that our policy was in fact cancelled today, and we’re shit out of luck until the escrow company decided to cough up a check. Or something. It’s really all beyond me.
So, if you want to set our house on fire, or steal all of our shit, please wait a couple weeks. K? Thanks.
May 18th, 2006 at 4:38 pm
As somebody who until recently was licensed in 30 odd states, I can attest to the fact that insurance is the legalest scam ever.
It’d be great to get the insurance re-instated by these bastards, then call em up and be likd “F-U BUDDY, I cancel!”, but they’re half as cheap, and I guess I’m that kind of consumer. One who buys stuff at Walmart and feels guilty about it.
May 18th, 2006 at 8:00 pm
Good thing you didn’t have to file a claim with these bozos. Just think trying to get through to Chance with hole in your roof. That’d be fun.
May 18th, 2006 at 8:15 pm
Well, as of right now, we’re still with/going to be with TFB until we find an alternative. Every other company AT’s contacted so far is at least $100 more a year than TFB. Damn them and their cheap insurance.
May 18th, 2006 at 10:46 pm
I’d be willing to bet a candy bar that a call to Paula Flowers’ office would set things aright in no time.
May 19th, 2006 at 8:29 am
What company does Paula work for, Lissa?
May 19th, 2006 at 2:28 pm
Paula A. Flowers is Commissioner of the Tennessee Department of Commerce and Insurance.
May 19th, 2006 at 2:32 pm
Right.
Yeah, I don’t have the best impression of the TN Insurance commision. I figured I’d threaten em with it, but meh. They’re reinstating it today, and I’m the fool for sticking with em.