NotYourBody
Gold Member
- May 25, 2019
- 2,237
- 492
- 140
I did everything the insurance company required me to do when they agreed to insure my property.
I agree with you ... almost 100% !
The insurance company should have visited your home and said, "We are NOT going to insure this home against a fire until these trees are cut back, this brush is removed, and the exterior of the home is either painted with fireproof paint or replaced with fireproof materials. You also need a sprinkler system inside."
They agreed to insure a tinder box in an area that would almost certainly go up in flames, so they are on the hook to build you a NEW tinder box.
However, that does NOT excuse YOU from taking additional steps to reduce their exposure to a loss.
Do you know why I obey the speed limits? It is not because I am afraid of speeding tickets. It is not because "God is watching me."
It is because I APPRECIATE my insurance company having my back in the event of an UNAVOIDABLE accident, so I make a real effort to reduce their exposure to claims by consciously trying to drive as safely as possible whenever I am behind the wheel, or on my motorcycle. If something happens that is beyond my control, they will pay the claim, but I do everything I can to prevent them from ever needing to pay a claim. I park where I am less likely to get door dings. I let the road rage ass hats speed ahead of me. I lock my doors. I don't drive drunk. I stop when I am drowsy on long trips. I don't tailgate.
I try to keep their costs down, and in turn, they try to keep my premiums down. That is how a CONSERVATIVE thinks.
Insurance companies are now adopting my philosophy.
"Don't mess with my discount!"
If only you were in charge of the world, right?