Many California homeowners are concerned about their home insurance, and that anxiety ratcheted up when State Farm requested one of its biggest rate increases ever.
In my personal experience, basically no insurance in America is worth anything.
Nothing you would actually need insurance to cover ends up being covered, or, it covers a huge portion of an absurd cost which is only so absurd because of basically a corrupt cost inflation feedback loop between insurers and providers that you end up personally paying prices that are absurd to all but the very well off.
It ends up just being further cost requirements to basically exist, which means if you are poor fuck you, die.
Oh you want to challenge your insurance and force them to actually cover something?
Believe it or not, when branches actually went through our roof a couple of times over the years, insurance did pay for it. They paid for half the garage roof to be re-shingled because of the damage one did.
In my personal experience, basically no insurance in America is worth anything.
Nothing you would actually need insurance to cover ends up being covered, or, it covers a huge portion of an absurd cost which is only so absurd because of basically a corrupt cost inflation feedback loop between insurers and providers that you end up personally paying prices that are absurd to all but the very well off.
It ends up just being further cost requirements to basically exist, which means if you are poor fuck you, die.
Oh you want to challenge your insurance and force them to actually cover something?
Hire a lawyer! Those are cheap!
Believe it or not, when branches actually went through our roof a couple of times over the years, insurance did pay for it. They paid for half the garage roof to be re-shingled because of the damage one did.
So I guess it’s a crap shoot.