Wayne, it would be a lovely little packaged world if your wonderful little carriers said, "oh, Mr. Homeowner,you don't agree with us, then great we will submit your claim to a fair and impartial arbitration panel made up of individuals from both sides and we will get a nice fair result."
Yeah and anyone who goes out and buys that line of crap I've got a statute in New York harbor to sell them also.
The reality is Mr. Propoganda that the good hands people, the like a good neighbor people, and nationwide is on your side people send out a letter that reads like this:
We have investigated your claim and we are denying your claim since our investigators have found that the damage was caused by flood waters which is specifically excluded from coverage in paragraph 193(c)(1) of your policy.
And when the "truth is difficult to determine..." the letter doesn't offer arbitration, it simply denies the claim and forces the policyholder who doesn't have the resources the mighty insurance company does to retain counsel. It FORCES THE INSURED TO GO OUT AND HIRE A LAWYER. Which the majority do not do and merely give up. That's how these rip off insurance companies make billions and billions of dolllars.
All the time Wayne and his kind blame lawyers, these rip off carriers hire fake engineers, point to exclusions many homeowners did not know were in their policies or use excuses like flood instead of wind, collapse, land movement, landslide, erosion, you name it.
I've had Judges look at attorneys representing some of these carriers with puzzled looks on their faces and ask them "Mr. Defense Counsel, what exactly does this policy cover?" Many are hard pressed to answer as home owners coverage sounds great until you make a claim then all of a sudden they seem to find an exclusion for this or that.
IO. I will never go away. Whenever they?s a fight so hungry people can eat, I?ll be there. Whenever they?s a cop beatin? up a guy, I?ll be there . . . . I?ll be in the way guys yell when they?re mad an??I?ll be in the way kids laugh when they?re hungry an? they know supper?s ready. An? when our folks eat the stuff they raise an? live in the houses they build?why, I?ll be there.
Eddie