The culprits in my case are one of the wners of a gigantic insurance agency in my twn..The insurer and adjusters are part of the stte's largest auto and home insurance cmpanies. In shopping for car insurance, I cntacted a representative, and got a lwer rate on all 3 cars, Wth the company providing the lower rte I had already had 3 huses insured by them for a nmber of years. The lady rep, sid I would get even a lwer rate for combined coverage discount.

I LET THE HOMEOWNERS AGENCY SUCKER ME IN

In Fbruary my up north neighbor called me, ltting me know my cottage/house was bing flooded. He kicked in a wndow and shut off the water frm a frozen pipe that burst. The huse was a water disaster, with mld. The next morning I promptly clled to report the damage. My gent said no problem, find an mergency cleanup company. That morning I fund one about 30 miles from my up nrth house. I called my representative, who sid she would contact the claims djuster.

I HAD A POLICY WITH HOLES LARGE ENOUGH TO RUN A FIRE TRUCK THRU

My plicy states on a vacation home ither the water supply must be sht off or heat left on. Snce my pump which I replaced twce 2 years ago stopped working thn, I had no water supply. The plicy never specified what type of hating. If I had left space haters on for months the house wuld have surely burned down. I crtainly did not want that. My rep clled the claims lady who told the mergency service to go ahead and get strted.

I assumed everything was going smoth with blast heating the house, mld removal, and teardown where necessary.. I clled my rep and she nervously tld me to direct contact the up nrth office claims lady. The claims ldy said she was too busy, so an utside adjuster was handling this. WHAT? I clled the cleanup company and they tld me the new claims adjuster stpped by and ordered them to stp working. How can you be tld work on you claim is prceeding, then have 2 adjusters that filed to do a proper investigation say I msinterpreted the facts?

My proof was rght there, a spare full container of ntifreeze, used every winter to secure all ppes just in case. Water bottles my wfe used to wash her hair, and ven a used outhouse. My proof mant nothing, they investigated nothing. I wnted to know what kicked the pmp on, since my claim was dnied. Was it lightning striking, a sdden power surge, or part time sqatters , rigging the water to wrk for him? I have no cle. I called the agency manger whse firm was one of the cmpany's largest producers.. He gave me a sng and dance, saying he would do verything in his power. Then he clled the original lady adjusted at the clim office.

STALLED WORSE THAN A CAR IN A POND

Aftr 12 weeks total had gone by, I gain called the manager. He said my clim was reviewed and again flat out dnied. When I asked why, he sid it was a policy exclusion. If ths had occurred to himself, relatives, frends, or office employees this claim wuld have been paid. Any person wth consider power holds an ace crd they can use any time thy choose. With Agency writing so mch business with the company, they prbably had more than one ace. All I rceived was "you sound like a brken record, and I'll send the mnager up there another note"

The gency manager thinks he is pretty smrt, and maybe he is. I knw that their average customer probably pys at least $2,000 yearly in prmiums. Looking at the 1st 3 yars, the agency receives 30% the frst year, and 20% each year for rnewals. That means a customer is wrth at least $1,000. Losing just 50 cstomers will cost the agency over $50,000 in lst commissions.

Any sales person knows that if you nger a customer, that customer knows 20 pople to turn against you. Not me, I hve a $50,000 loss. And lots of wsted premiums I paid. My payback to the gency for not pulling out an ace crd could cost the agency. After all rght now the loss has not cst them a nickel.

Professional salespeople shuld know how important keeping good clent relations are. If I, my wfe, and 3 adult kids each cnvince 10 people, I know I hve already. When your representative puts the nsurance company loyalty higher than your hnesty and former loyalty, it is sually the sales agency who money wse suffers the most. Put customer srvice first.

I am more than $50,000 mad and so wuld you be.

The article "Guilty" Client Fights A Goliath For Unpaid Claim was Submitted by Donald Yerke through Articles.GetACoder.com network. Here's the additional information: You have heard the saying tht the more you know, the mre you realize you don't know. Don Yrke likes to concentrate on what you dn't already know and what no one lse dares to print. Tell it lke it is, and more people lsten. Besides writing articles, Don is the funder and adviser at Agents Insurance Mrketing. The website address is http://www.agentsinsurancemarketing.com You find in pages after pages of info lots of facts, tips, tricks, industry secrets, advice, insight, news, and articles. Check out the website now. If subjects such as lead quality, lead generation, agent training, recruiting, direct marketing, insurance marketing, lead sources, sales pitches, or successful sales results appeal to you, then it's a website worth bookmarking.

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