[skyguy79]

Originally Posted by deltaguy

Give the guy $75 and don't involve your Insurance Co.

I don't play golf, but I do agree with this statement. Contacting the insurance company could cause you grief down the road like it did us when we moved here.

We had Allstate for years and years, and when we tried to get coverage on our home down here we were denied because we had 3 incidents of filing a claim them back in NYS. One was legit but the other two were not. We got them to remove one false claim which the found was nothing more that an inquire to find out if we had flood insurance. No claim was ever filed.

The other bogus reason was when a Lowes truck backed into our house front tree that was there for decades. They tore off a large branch and was told by the tree service that the tree had to be replaced. So I got the estimate to file with Lowes Insurance Co.

When they gave a denial of claim, using every trick in the book to get out of their responsibility, I contacted Allstate to simply report it and inform them of what was going on. My ins. agent told me that she would file a claim with Allstate anyway so we would at least get something now and they would go after the other ins. company to try to get us the rest we deserved to be made whole.

Allstate then later used that claim against us for the denial, a claim that we never asked for but was processed simply based on our trying to provide them with info. If we realized that such a ridiculous thing like that would hurt us down the road, we would have never even bothered to inform them in the first place. I guess that trying to do the right thing can sometimes give you a good swift kick in your patootie!