CA couple loses home insurance after draining pool to save water
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- čas přidán 7. 08. 2023
- The homeowners were baffled to find out the reasons AAA dropped their coverage -- from clutter in the yard to draining a swimming pool to save water. abc7ne.ws/3KuKNEc
#insurance #consumer #homeowner #news #abc7news
Apparently the risk of someone falling into an empty pool and suffering injury is higher than the risk of someone falling into a pool full of water and drowning.
@@pinkpurpleplue Right, it had nothing to do with any sort of risk for them in the context of danger, just an excuse to stop coverage. Oh well, they fired a customer, time to give someone else your money.
The risk of falling in to the pool is the same whether it is full or empty. If full 99% chance you are fine and embarrassed. If empty there's and you fall in the 8 foot side there's a 95% chance you are injured.
Well, less risk of death and injury with a pool fence
Dude. This is California. Lol
@@kevinmiller5467 The risk of falling in maybe, but the risk of injury or death is not the same.
A few years ago I got a notice of cancellation due to a single damaged shingle. I called out a roofing company to repair. They found hail damage, and replaced the roof before the policy end date.
My old insurance had to pay $14k and lost my business. It was a win-win.
Justice was served. One freaking shingle. I'd like to see what their roofs look like.
nice!
And now the rest of us have to pay $10K /year premiums because of it.
I know this is an older story, but just a few weeks ago I saw a report where two separate insurance companies had complete dropped all of their home owner insurance policies in southern California. Simply too many claims and they were losing money. So they just got out of the market entirely.
When I left Florida I got a notice from my insurance company that they were only going to offer home or renters insurance in Florida to active duty military personel stationed in Florida. Everyone else had six months to find another insurance company to deal with. That was back in 2007.
How much did you pay for a new roof?
Or are you saying that the insurance company had to pay?
For hail? Wouldn't that be an act of God?
My homeowners insurance tried to drop me because i had the hurricane shutter closed on my bedroom window. I have it closed because it blocks out the sun and i have to sleep during the day since i work nights. They tried to say i had it closed because i was trying to hide a broken window. I was literally forced to take it down and send them a picture of my bedroom window to prove to them it wasn't broken so they wouldn't just drop me. Id also love to know how they got access to my backyard to even see my window since it faces the rear of the house. How are these companies allowed to just invade your privacy and trespass on your land without even giving any notice? And then just threatening you with cancelation without any hard proof of anything. It's insane.
They are allowed to do it because they own the government like the drug companies, weapons manufacturers, chemicals manufacturers, and entertainment media. The US gov has not existed for 100 years
Should read the contracts you sign 1:16
@@sbedom0so what’s gonna change even if one does read the contracts. If they disagree, that would just mean they can’t sign the contracts to get the insurance…it doesn’t change the dynamics of the insurance company and the insurers.
yeah, Geico did this sh*t to us: just one day found some guy wandering around my house...asked him what's he doing there? he responds with 'insurance survey'.
a little while later we get a letter from Geico with a list of "issues" that need to be addressed (including a new roof).....
We're with State Farm now.
btw, these insurance surveyors are crazy, just trespassing on properties with out an appointment....I live in the south and there are a lot of (redneck-ish) people with guns....
also, the airspace above your property belongs to you as well.....drones beware!
My homeowners insurance told me I needed a new roof or I would be terminated. I had 30 days. I found a roofer, it took almost all my savings, but got it done. They canceled me anyway. The roofer later asked me why I wanted a new roof as there was nothing wrong with the old shingles!
I would either sue or track down those people
You would waste all your money in court @@stereo-soulsoundsystem5070
Another glowing example of why better consumer protections and insurance industry regulations are needed.
@@user-yn4xc8kt3iwell we should just have the federal government take over the insurance industry since we can't trust them. We can just all pay into a single pool for our homes and we won't have to deal with all of these Middle Men.
Isn't it easier to simply change your insurance provider then? Go shop for insurance and say good bye to the old one.
That guy with the roof issue is 85? Wow, he looks in his 60's
Yea i heard him say 85 and i did a double take lol, Wonder if it's good genetics or healthy lifestyle ?
He looks better than his roof tho. Flat roof is a bad idea because of maintenance. They probably canceled him because of his age + high risk of injury with the roof access.
Thought the same thing. Dude looks set to ride into the 100s at this rate.
I thought the same. It is disgusting and shameful these companies bullying an old man.
@@pattiannepascual So here is your chance to offer him insurance from the company you are going to start.
Insurance is meant to share the risk. Insurance companies are picking the cherries and saying, "to hell with the rest". Therefore, they are not insurance companies. So why are they allowed to exist?
We need to write them out for good
Part of the financial system. It's an eye opener once you study money flows.
What ur forgetting is the blue wave is putting more regulations on insurance companies and limiting what they can charge. Thank nescum
Insurance companies are the most corrupt entity in this country next to the Federal government.
Share the risk in a local area, not nationwide. I live in Minnesota and do not want to pay for your insurance in a high risk area. We don't have the risks you do but we also don't have the awesome weather and beautiful area that you enjoy.
Seriously, Congress needs to do an oversight investigation on these insurance companies all over the country, not just CA. They are the biggest corporate crooks out there.
1v1 me Bruh.
How all these insurance companies get away with all this without lawsuits for "Invasion of privacy" is beyond me.
Privacy issues via aerial photography is covered under state and local laws, and although CA forbids photos of individuals engaging in private activity, photos of land and property are allowed as long as they are not taken from legally defined prohibited air space.
We need new legislation to protect home owners from insurance companies using drones to look at their properties.
Then they should use a computer model to determine whether or not you’re too much risk to cover, and just deny you buy statistical analysis, L O L
A shotgun works better.
You can't legislate stupidity. Insurance companies would just find a way around it.
sad we have to keep asking the goverment to step in because of this.
@@likethecolorgreen the govt is in on it
I can see why elderly people wouldn’t put water in a pool but these insurance companies are getting ridiculous
Failing to keep a pool full tends to cause a lot of very expensive problems. Around here, they'll start to float without the extra weight of the water inside.
Emptying your pool becomes a liability due to the fact that it’s a falling hazard.
This is stupid and ridiculous! So if it were full and one of those elderly ppl fell in and drowned…the insurance company wouldn’t b liable and have to pay out, so they don’t gaf about that? Or what!? How about just saying from the beginning that they are not insuring homes w pools at all then, if that’s the case. U know how many ppl die annually from accidental pool drownings!? It’s a lot!
WHAT if someone would accidentally fall in that empty pool and crack their skull open?
It's a liability that is no longer being maintained for its purpose, this isn't anything new or shocking. Talking tens of thousands in repairs if they made a claim for damage they caused using it as a garden.
The message is clear. AAA is a horrible company. Avoid.
Agree. I have them for **Renters Insurance**
One relason for empty pools is it that an heavy rain can pop the pool out of the ground. I observed this in Broward Co. Back in late 70s. They were just built and not yet finished when we got a very heavy rain storm, the rising water table poped the pools out of the ground.
This is going to get worse.
As long as your insurance company is allowed to bribe your congressman
who is responsible for what the law does and does not allow your insurance company to get away with.
This is a widespread issue not only affecting insurance companies but everything in America from tax breaks for uber rich companies to abortion, and even our education is being censored now. It's a slow rot eating away at our country from the inside out, and has been for the last century at least.
Just look at FL and what Desantis has done to it from a Insurance and Property tax.
If you dont live in the state and just watch the news im sure you'll fight me if you live in the state and own a home you will know what im talking about.
Just to piggyback here, same thing with TurboTax and all these other tax preparers. The IRS has all the information they need to just send us a refund or a bill. All these companies lobby so that we need to “file” our taxes through them so they can make money.
They didn’t have to bribe anyone. This is not new legislation.
Please point me to any civil or criminal codes regarding anything they have done here, drones/pools/clutter that hasn’t existed as-is for decades.
Good point. And the constitution should be amended to state that citizens have a right to privacy.
It’s time we start a movement to cancel these insurance companies - not the other way around
You start.
Don't blame the Insurance carriers, blame people making frivolous claims and their attorneys.
For real. People wanna cry about insurance but when something happens they want the fullest coverages and payout even if they pay the least. Also expect to be paid like sultans on their claim - people are ridiculous. 😂
Yes
They can be the next Bud Light!
Why not just tell them to fill the pool again? Why drop them?
As a pool owner myself, draining a swimming pool is absolutely a reason for losing insurance on at least that part of your home. Pools are constructed to expect the pressure from thousands of gallons of water on them, if you drain a pool for an extended amount of time, the ground beneath it can and will shift and result in extensive damage to your pool that could cost tens of thousands of dollars to repair and is unfair to expect an insurance company to cover. if you did it to yourself.
I’m no fan of insurance companies but this is clearly the fault of the homeowners themselves for not understanding what they’re doing to their own pool. They are intentionally doing something that will destroy part of their home that is covered under insurance, and that is grounds for not renewing their policy.
You’re never supposed to do this, these are people who never learned how to take care of delicate expensive property who then raise a karen type stink when nobody wants to deal with their self-induced problem.
What a beautiful pool, what a total shame. It’s twice as big as mine and has a cool shape too.
"it's twice as big as mine and has a cool shape too."
i could show you something else that would fit that description ( ͡° ͜ʖ ͡°)
Someone should send drones to the owners of AAA
Someone will notice their children and say “little Johnny looks a little pale today. Can you please check his temp.?”
What?
You don’t have to you can just use Google Earth
Trumpster, murderer
People are cheaters and fraudulent
The government gives too much power to insurance companies. We need more strict legislation to keep these insurance companies in check and to protect their customers.
100%. These companies are financially incentivized to not give out their dragons hoard of money.
@@FoxinthetreeOr the bureaucrats have inflated everything so much that "they" have to resort to sordid affairs such as this.
Vote the. And not red
The government doesn't give anything, politicians are bought by industry and therefore favor industry. Usually "consumer protection" is really "corporate protection".
Damn right!:) @@charlesmandell2742
Not that I’m ok with what ls going on but an empty pool can pop up out of the ground. An insurance company isn’t gonna want to pay for a new pool because you’re not keeping water in it.
As a retired safety inspector, a drained pool is extremely DANGEROUS as a trip fall hazard that could be LETHAL. I would NOT recommend an insurance company provide LIABILITY insurance unless they had the pool covered completely with plywood, and barriers preventing public entry into the area.
Well you are evil, you pay for the water
AAA is absolutely the worst. I'd been with them for 25+ years as a auto club member, I never used them until just a few years ago. I had to have a car towed 3 years ago, the driver who showed up was so high I wouldn't let him tow my car. I've had 3 incidents in the last year with road hazards giving me flat tires on 3 different vehicles. In every case my jack wouldn't life the car, the lug wrench wouldn't loosen the nuts, in one case the jack retainer was installed so tightly from the factory I couldn't get the jack out. In each case I called AAA, and in every case I waited hours and nobody ever showed up. I had to call a local wrecker to bring a jack, impact wrench, etc just to help me change the tire. I called AAA to cancel, it was totally painless like they were either having a lot of cancellations or they wanted to get rid of me because I was actually trying to use what I was paying $100 a year for. Like I'd ever trust them for insurance.
buy a good jack and an x style wrench if you are gettingn lots of flats
Sounds like you need to learn how to use a jack.
I’ve had them for 22 years and I’ve never had a problem with them at all.
Yes over the years they've gotten worse with their customer service... I've been with them 20 plus years and I'm thinking of leaving... they use to be the insurance provider to have but as of late...🤷♂️
If it helps, I dropped my AAA last year and picked up the roadside with my insurance carrier. It cost $1 a month as opposed to AAA's rates that keep increasing.
they are defrauding people, literally. they are taking their money for years then finding ways to shirk their responsibility. there needs to be a class action lawsuits to bring these monsters to heel.
said " they are defrauding people, literally. they are taking their money for years then finding ways to shirk their responsibility. "
Care to explain how insurance works from a financial perspective? RE Where does this money come from and where does it go to.
Responsibility of what exactly? The people in the vid are not having a claim rejected, just no longer having the policy renewed.
" there needs to be a class action lawsuits to bring these monsters to heel. "
The only winners in a class action lawsuit are the lawyers. They make millions and the "injured" get peanuts.
They defraud people by teaming up with banks to make people that have mortgage HAVE INSURANCE. Most people pay a 30 year mortgage and sometimes longer with refinancing…. Insurance comps helped pass laws to mandate insurance! After a homeowner has paid on the loan for 20+ years the insurance companies start looking for ways to cancel policies. They want high dollar premiums over YEARS and then as time goes on and things go wrong they want zero responsibility to pay for damages.
there is no fraud here
They shouldnt be denying people insurance because of a wildfire hazard@@bobroberts2371 Thats the root of it.
When you drain the water you can damage the pool. The waters weight holds the pool into the ground, with out the water the soil can push the pool up over time.
These companies no longer want to do business in California with the high claim rates and absurd cost to operate in the state.
It’s happening in Florida too, wonder what your narrative is for that?
@@02nupe nice whataboutism
@@LiquidToast12 how is it’s happening elsewhere too whataboutism? We know you want to selectively complain and the 🐑 sheep in you is showing.
He's 85 😳👏🏽 looking good sir.
Came here to say the same !
Yes!
I was going to say the same. Wow would like to know what he does
my man will look 85 after this
Nah he looks 85 to me lol
If an insurance company cancel your policy for something frivolous like this, they should have to give you back all the money you paid
it's not frivolous, it's a violation of the contract by the homeowner. There are sets of conditions that must be met to have homeowners insurance and a pool, including what you are required to do should you decide to drain the pool.
@@gizmoenterprises3467Bootlicker...
I have a pool and I have homeowners insurance. I just got out my paperwork and nowhere in it does it say I have to keep water in the pool or they will drop me. And I bet you $1000 that ladies policy doesn't say crap about having to keep water in her pool as well...
You probably are a slime sucking agent or you work for one...
no they will give back the pro rated amount for that policy period... do better
I was going to agree with you… until I googled it 😅 a LOT of home insurance _REQUIRES_ your pool to be filled _AND_ maintained! What the holy hell!? Though I guess it makes sense.. what if someone accidentally falls in and there’s no water… but still 😅
Policies require annual renewal and aren't not lifetime contracts.
Aren't insurance policies supposed to cover risks? Y'know... For insurance? If and when something that isn't covered causes damages, they can decide then what should or shouldn't be covered. Straight up refusing to cover at all over... Reasons?
Here in Toronto they have a bylaw restricting operation of commercial enterprises such as car repair shop in residential neighborhoods. They also have a bylaw that prohibits parking of commercial vehicles in residential driveways.
States need to cracked down on this. I personally think mandatory insurance laws are terrible and very abusive.
As near as I know, insurance is only required if you have a loan
Just the other day God told me to eat a whole pack of biscuits. I did. They were delicious.@@repentandbelieveinJesusChrist9
@@repentandbelieveinJesusChrist9 Why do you worship and pray to a god that humanity has so easily surpassed?
@@Head00Busta lol! Surpassed?! How? Please tell.
@@ube4856 the bible does not hold up to scientific scrutiny. if you seriously were not aware of this, you've got a lot to catch up on.
What is disgusting is that there was no investigation as tonwhy there was no water, just a flat out cancelation. There was no grace period given for the homeowners to remedy anything. Absolutely shocked at the abuse of privacy here and that this is the 2nd story I've heard about this in the last week. Disgusting.
do better
I agree. They were never given a warning or a chance to fix the problem. It’s insane how scummy insurance companies can be
How do you know? How do you know that they hadn’t taken a picture 2 months before, and then a follow up 2 months later to find it in the same state? How do you know they sent a cancellation letter at the FIRST sign of the empty pool? Only ignorant people assume to know all the details.
Maybe the AAA, knows they shouldn't be spying & recording "private property" or that it's illegal to send drones to spy or misuse of drones. I believe there are rules and laws for usage.
That's THEIR story. We don't know what really happened or howo many letters they got first.
We're dealing with the same thing in Vegas!!! We've gone through 3-4 HO insurances!!
A swimming pool with no water in it, is a huge liability for an insurance company. That one makes sense.
It's hard to imagine anyone in California trying to conserve water. Kudos to this couple.
Can you help me understand how draining a pool "conserves" water?
@@jt8251 Did you not understand her when she said because of evaporation she needed to put water in it every couple of days.
She explains it in the news clip. Watch the video and discover how draining a pool conserves water. Then you will know.
@@JamesWilliams-gp6ek yes, and she's full of sh*t. I own a pool in the Central Valley where's it's 100+ degrees every day in the summer and I do not have to put water in it every couple of days. Even when the pool does need to be filled due to evaporation, it doesn't require that much water. They emptied the pool because they don't use it and don't want to maintain it. It has nothing to do with "conserving" water. She's full of sh*t. She will ruin that pool by leaving it empty in the summer.
@@62Cristoforodraining the pool will damage the pool resulting in thousands of dollars in repair costs. Draining a pool does not conserve water. She just doesn't want to maintain the pool.
You can't judge these hard working insurance companies until you've walked a mile in their cloven hooves.
Funny.
Go post a bond for a couple of million dollars and underwrite your own insurance policy. Sheesh.
They are canceling everything they legally can because the cost to repair has tripled.
Lets start holding these companies accountable
Nope: how about holding people accountable for not creating hazards? When you buy insurance you agree to minimize risks.
@@littlesongbird1how is an empty pool a hazard ?
Will never happen. Corporations are never held accountable
How is that even legal? Like an insurance company surveilling your house? I need to brush up on the legal loopholes cuz hell nah
Like what if I was in my backyard naked sun bathing with my wife or getting a lil doggy style in the back yard one time and y'all flying drones over this technology future is making life suck
Because you don’t own the sky.
@@XploreAz I get that part but just as a neighbor doing it would be considered some form of privacy infringement and in many surveillance laws the “sky” or airspace isn’t referred to or referenced at all. Do you know what loophole they are using?
When you sign or agree to buy the insurance policy, buried in the application/policy is language that allows them to check you out.
It’s not, people defending companies like they would go to bat for them is hilarious.
There's AT LEAST a few lawsuits here. CLASS ACTION TIME! Interesting how all these customers they cherry-picked are elderly. Thats definitely illegal. And survailing their homes like that, thats definitely got to be illegal.
Ever consider that what's portrayed are older as they perhaps the younger home purchasers are at work and are not available and may not be the ones being dropped? Operating a drone in non-regulated air space is not illegal and is the same as taking photo or video from a public space. Set aside your feelings and pay attention at the end as it was all resolved.
😂😂😂
It should be illegal. I don't want some stalker droning on my privacy.@@Mauser1965
@@Mauser1965 it was not all resolved, and why do you think these interviews were random calls? You think the reporters just called up some numbers one day and interviewed whoever was home? Have you ever had a job? They set up a time and date ahead of time. No one works 24/7. Calls can happen during weekends and nights. Do you have friends? Do you randomly go over, or do you make sure they're home first? Please, use a little common sense, huh?
@@godmagnus The reporters are responding to people who CALLED THEM.
Make a Department of Insurance complaint.
You can’t it’s justified
Wow this is very sad
This is an organized and concerted effort to completely cancel all policies. After all the money sunk into the insurance it's absolute b.s.
Grow up and learn how the world works. These people live in a high risk area and need to pay the associated costs.
@@petebusch9069 They were paying the associated costs until their policies got dropped, jack ass.
15-20 years of collected insurance premiums got all paid out the last 5 yrs.
AAA is one company and for Homeowner's they are actually one of the worst. For auto, a little better. There are plenty of other insurance companies. These folks are older and may not have made changes in many years. They may actually get a better rate with another company.....
@@SFPhilo exactly. that's why you don't hear about this problem outside of democrat run cities. i wonder why?
I actually have an answer as to why the pool was a reason: pools are designed to hold thousands of pounds of water and when you remove the water you risk the lining cracking and causing it to be unusable. That may have been why they justified it. Not saying it's right, just providing insight.
The empty pool can actually float out of its hole in heavy rainfall similar to the hull of a ship!
makes sense
Removing the water renders it unusable.
That's exactly what I was thinking. If you're going to empty a pool you need to fill it in.
They'd try to sell that home as having a pool! Then need to use insurance to repair it before selling. I get the point on this one.
Just happened to my family, empty pool; nonrenewal taking place in March, we have no idea what to do.
Fill it in!
Easier said@@cxg174
Build a deck over the empty pool.
Ditch them.
Fill the pool with dirt. Ghetto!!
Good ole Michael Finney helped me out with a crooked store owner in SF back in the nineties. His work and broadcasting my troubles solved my problem. Great guy, thanks
"Because the pool was empty".....an empty pool can pop out of the ground because Hydrostatic pressure is the force exerted by water against the walls and floor of the pool. It's also the main reason why pools pop out of the ground. If the water level in the ground surrounding the pool rises too high, it can create a pressure imbalance that causes the pool to pop out of the ground. Never leave a pool or spa empty. They would be better off filling the pool with dirt and landscaping over it.
Does AAA really cover claims against pools other than injury? Maybe I'm wrong, but I have a hard time believing that my home owners would cover any failure of my pool or components related to it.
What about all those skateparks? I know skaters that have had empty pools in their backyards since the 90s no such occurrence has ever happened
You have to have groundwater for that to happen. This was in California.
@@jamesdagmond i am in California, said skateparks and pools are in California
@@sliderx1897 It's gotta be extremely rare though. I've worked on hundreds of empty pools never seen a single one have an issue with coming out of the ground.
Pools have always been an insurance nightmare. One drowning or accident can cost millions.When you get collision coverage on your car, often insurance adjusters want photos. The pool depicted does look unmaintained. And, there is no fence. A giant 8 ft deep hole in the backyard is a risk factor for an accident.
So is a bad column in your house. Dumb fuck. What's with all the fatalistic self police. Well xyz could happen... to someone else. Read a book loser.
The pool is empty. Becomes a major risk of a person falling in and being injured; particularly children and elderly.
If you are decent, hard working folks--the State of California is out to nail your ass.
Insurance company are the biggest scam. When they take your money, it’s always fast. But when you file a claim, they drag their feet and don’t want to help you 😂
So freakin' true, and they treat you like some ruthlessly greed-driven psychopath who is trying to commit fraud. My god they will do ANYTHING...accuse you of anything...lie about anything...whatever it takes NOT to pay you.
Very trumpy indeed.
Insurance is expensive--------------mostly due to fake and fraudulent claims. Many turn in claims for only a few hundred dollars. Fraudulent insurance claims raise insurance costs for everyone. There is more risk of damage and injury now because of increase in crime caused by "DEFUND POLICE", increased carjackings, robberies, mass shoplifting, home break ins, and squatters.
Wowzers that man is 85!! Amazing.
It’s a huge liability to have an empty pool! It’s a quick death if anyone falls into it.
Falling into a filled pool can kill you also.
Yes especially if you can’t swim. But if you can swim at least you won’t be suing the insurance company for a sprained or broken bone, being paralyzed… A fall into an empty pool is much more likey to be left with injury. Maybe one day they will outlaw pool like they did waterbeds
When an insurance company using aircraft to spy on a person's property without consent. That's a serious problem.
All these insurance companies needs to be prosecuted and laws should made so that most of the clients are protected. The greed and corruption of insurance companies are bottomless pits.
Insurance companies are out to make money, not help their clients, proof they don't care about you only your money. Sounds like a Republican.
@@user-justbeingme you arent making money if your dropping your income left and right for stupid reasons. eventually people will wise up and cancel the insurance and they go bankrupt.
You don’t seem to understand how insurance works. People who have extra risks which are likely to cause extra claims either pay more (that’s fair) or get cancelled altogether. That makes complete sense. That guy had a back yard full of flammable tires! Any insurance company would cancel if they saw that.
@@user-justbeingmeEVERY COMPANY is out to make money. Why would anybody go into business to LOSE money?
They have MANY laws governing what they can do.
Wow. I think I am glad I had to sell my home about 5 years ago. This sounds like a nightmare. We had a pool, and used to joke about people spying us on us when we used “au naturel”. Sounds like our jokes have become entirely too real. I feel for these folks.
I’ve lived in Florida ten years. I’ve only had to add water to my pool twice in that time, and it was only for about 20 minutes.
Insurance is a scam
💯
Then don't buy any. Simple no?
@@bobroberts2371 Are you forgetting that it's mandated by federal and state governments for various situations?
@@InsaneFirebat What state forces a person that owns a home outright to have home owners insurance? For a car, liability insurance is required OR proof that the owner / driver has enough liquid assets to cover any liability.
If a bank loan is involved, home / car insurance beyond basic liability to protect the banks assert. If you can't agree with this either pay cash or find a lender that does not require insurance.
@@bobroberts2371 There is a long list of professional services that require insurance to operate legally. Insurance is highly integrated with government at all levels.
Insurance companies wanting to insure you only if there is .0001% chance you might have an incident.
Someone's gotta do the rent seeking, right?
That keeps rates down.
@@johnp139 It's not working right now.
Wrong. They had statistical tables and statisticians who can predict the percentage of claims that will occur in a given year. They hope to be right.
Wow I didn’t know by owning a home is also stressful 😅
Regarding the pool, if they dropped the pool coverage they couldve kept their policy and pay slightly less, but an empty pool is essentially a pitfall human trap she would have to fill it in with dirt.
It’s really useless when people say that they are complaining to their local agent. Their local agent is a lot like a bank teller. They can’t do anything all they can do is accept your payments and do basic things. They can’t make decisions like that.
As an insurance agent it has been tough the past 6 months. Not being able to get coverage for younger drivers, certain cars and they are getting even more strict .
Because teens are running people over.
I still can't believe that y'all are allowed to charge men more for automobile insurance, when the only ones ever to run into me were women. They were black too, but you can't charge them more, now can you?
@rustyshackelford3371 from the information gathered younger male tend to be involved in more accidents. Now not sure why you made it about race since drivers that drive unsafe is from all races too.
Yes in 2023 it is about race as now democrat city councils have made it so if you have out of date registration you cant be pulled over, cant be pulled over for broken taillights, etc are you new or just dense???
@jonnyfendi2003 would you like me to cite the sources of people being injured or killed over minor traffic stops?
Bring a privacy lawsuit against em
If you own your home outright, insurance is a waste of money, they don't pay well on claims anyway
Note to self out a tarp over the pool so they won’t know it’s drained
yeah. definitely put up one of those wedding canopy things over the pool so they can't see it, but also sue them for violating 4th amendment. That's most critical to maintain America. Not fighting for our constitution will make us communist real fast.
Cheech and chong did that.😂😂😂
@@ryshellso526 You actually remember part of a Cheech and Chong movie? I can't tell you one scene from any of those movies.
hehehehe lol
@@ryshellso526 Smart $hit.
people down here in the comments blaming CA.... you don't think it'll be nationwide?? just wait 😞
But Nationwide is on your side.
@@SharpBalisong 😂😂
😂😂🎉
@@SharpBalisong Until you have a claim.
@@SharpBalisong😂😂😂
I did research. Its not against the law when you dont have home owner insurance. So some people dont have it, so what. Its not required.
Mortgage companies require it. Most people have mortgages.
luckily around here, due to the fact that my town in considered "extremely low risk" for any sort of serious weather damage, insurance companies are not in the habit of nitpicking minor technicalities and only look for major issues or strait up non-payment as reasons to drop a policy
These insurance companies are out control. You have homeowners trying to be responsible and do the right thing and these insurances full on discriminate
An empty pool is not being responsible. That pool will float if the ground gets saturated when it rains heavily. This will result in the pool popping out or severe cracking. The insurance company knows it will be responsible when that happens, so they chose to drop this house from coverage before that happens.
@@georgebootoo4026 🎯
Don't like it, get the other whiners together and start your own insurance company. OH, not your cup of tea, you rather just bitch, whine, moan and complain.
I knew Florida was having trouble with insurance companies dropping customers due to hurricanes, but I had no idea California had the same issues due to wildfires. All the news and social media makes it sound like Florida is falling apart because of that and here's another state that it's also happening in.
It's crazy how the media picks and chooses what stories to tell us to care about.
It's pretty bad out here. We had a wildfire in 2020. 900 houses were lost just in our fire. Our county is one of the worst when it comes to rebuilding- less than 30 homes have been approved or are in the final approval stages nearly 3 years after the fire. About 100 homeowners are in the preliminary permit stage. Many more are still battling the county to get permits to rebuild their homes. About 1/3 of all these fire victims have simply given up- took what their insurance gave them and started over somewhere new. Many of us who escaped the fire are on pins and needles waiting for our insurance companies to drop us. There are options but they are very expensive. Some policies (via the state of California) have quadrupled or more in price. One homeowner in our community went from paying $1700 a year for homeowners insurance to over 7k per year because his policy he had for over 20 years and only one minor claim, was canceled.
It was no different during the Loma Prieta earthquake. People outside of the state thought much of San Francisco was on fire and entire neighborhoods were totally flattened. Different news agencies were showing different angles of one building on fire.
FL is falling apart and going down a bad path. But so are other states.
In California it varies a lot based on how exposed your house is to wildfires. If you're in town it's usually not a problem, but some places in the hills are uninsurable.
The problem Florida has is the whole state is at severe and increasing risk for hurricanes.
Simple Solution: Dont Use AAA for anything ever again. Tell all your friends.
"... the kids have moved to different states ..." smart kids!
An empty pool is more of a liability if someone fill it in...
Better yet, ask AAA what should be done.
Many people and apartment complexes fill empty pools with dirt. Eliminates danger of falling in and getting hurt or worse.
It really isn't that. Pools are not meant to be empty for any length of time. Damage can quickly form and when filled again, can cause the water to leak into the soil. Over time this can cause the soil itself to become unstable and can threaten the foundation of the home. A simple web search for "how long can one leave a pool empty for" would have helped these folks out. They may be able to get the policy reinstated if the fill it in (remove the pool).
@@SpockoMan someone gets it. Draining a pool in the middle of summer can severely damage the plaster.
I think that the insurance company might care more about liability rather than damage to the pool. But I do understand your point from a homeowner's point of view. Thanks.
@@SpockoMan right. But AAA should also explain the reasoning to their rejected clients, and give them time to rectify the issues before dropping them outright.
Draining water from an in-ground pool is just stupid. You literally tun your pool into a giant concrete bucket that can float on the ground water. The insurance company canceled them because this would be a massive preventable payout to repair if this were to happen.
What an invasion of privacy! I could understand the clutter due to the fire risk but not water in the pool. This insurance company needs to be sued to the max!!!!
Sounds like we should all get rid of our insurance companies
I mean they don't need our money we don't need them right?
Las compañias de seguro estan abusando y su poder, no tenian derecho de invadir la privacidad de esta familia y menos tomar fotos de su propiedad sin su consentimiento
Si dices la verdad. Que horror que estan haciendo esto con el solo proposito de cortarles la polica
They have the right . They are a business. If you don’t like it , DONT BUT FROM THEM . Simple enough for you to understand?
@@BeardedDragonMan1997you hurt?
@@genericamerican7574 you have childhood trauma.
iniciar una compañía de seguros. llámalo el seguro de Evelyn
mpty pools can compromise structural integrity, damage walls, floor or liner, and even impact surrounding decking. Additionally, pools left exposed to long periods under hot sun are likely to dry out, leading to cracks and flaking. If a pool is empty for too long additional damages can include: Cracks.
I don't blame insurers not wanting to insure Eiklers. They are notorious for burning to the ground.
It should be illegal to fly something over someone's house and take pictures or record. This is a huge invasion of privacy!
😂 lol screw insurance.. insurance is a scam.
You wouldn't say that if you lost your home and now have to pay out of pocket for replacement. Florida would never be the city it is without insurance with all those hurricanes.
this is why their commercial can be about anything because they dont provide anything
@@Mlogan11Victims of Hurricane Katrina weren’t covered for a myriad of reasons in spite of paying insurance for decades
@@SuiteVII Sure there are some insurance companies that don't honor claims, but many claims are honored. To say that all insurance is illegitimate is wrong.
@@Mlogan11 But to say insurance companies avoid paying out is accurate. Especially in situations where many of their clients are making claims simultaneously
Farmer's did it to me. I had an 8 foot ladder on the drive behind my house. On the ground. They took a satellite picture. Called it debris. Good solid house. Not in a zone of any kind. Always paid. My Dad bought this policy in 1969. After he passed, I kept paying. Inherited the house. 54 years we paid on this, over this time, averaging $200 a month....over $129,000 we paid them. It's like gambling with these companies. Now, it's fear and emotional distress. We really are on our own out here.
The CEOs are psychopaths entirely driven by ruthless greed.
People think psychopaths are serial killers because that is what Hollywood has told them. There is NO MONEY in serial murder, and psychopaths are all about money, money, money...and to a lesser degree trying to alleviate their extreme and pervasive boredom.
Just do a Google search for the top jobs of psychopaths. Sit down before you click on the link.
It’s really upsetting to hear this. I wish this issue could be solved, it’s so unfair to home owners.
Tell Sen. Liz Warren about it. Maybe she will make it an issue. She's good like that. "Elizabeth Warren, a fearless consumer advocate who has made her life's work the fight for middle class families,"
You should have paid yourself.
What county is the property in?
If you are dropped and never had a claim, sue for all the years of premiums that you paid.
Current insurance company mindset: We are happy to insure you....provided we can absolutely confirm that you don't have anything, anywhere, in any way, that we think might cause us to have to payout to you. We are in the business of happily taking your money, but we are not in the business of risk or paying out claims of any kind.
And then you file a claim...
I’m pretty sure without the right pressure and moisture the pool will begin to crack. When my mom had hers replastered (whatever it’s called) recently & had a timeframe it had to be done in or else it would lead to problems from not being filled. If you want to save money by not using the pool you would have to fill it in and have it covered up according to code. I’m sure the empty pool is also considered a safety hazard.
He's the best looking 85-year-old male I've ever seen.
Class action suit against AAA for abusive practices? You should never be able to cancel without a warning period first.
Citizens Hanover just did something like this to my elderly mother. Hanover sent a notice of non-renewal because they flew a drone over my mother's house. She lives in the woods in Northern Michigan and had pine needles accumulated on the roof. Hanover said there were holes in the roof and it needed to be replaced. The most idiotic thing was that Hanover PAID to have the entire roof replaced just five years ago with a 50 year metal roof after a tornado. Sent an inspector out, verified it was just pine needles and cleared the non-renewal. These insurance companies don't have two brain cells touching. Borderline criminal. And to add insult to injury, if you try to go with another insurance company, your rates skyrocket simply because your previous company "dropped you".
This has to be one of the most disgusting and despicable things I think I've ever seen any company do
It’s been 300 years since the first corporation was invented. Trust me, there’s worse. Look up “corporate death squads”.
That pool could be skated for real.
Lol I thought I was the only one thinking about it
lol..what I was thinking
A drained inground swimming pool is a major liability hazard !! * I suppose the swimming pool was damaged and the owner did not want to repair it.
If that's the case, these insurance companies should be REQUIRED to reimburse any unused funds these people paid as premiums and didn't have a claim on if they refuse to continue coverage.
Nuts. AAA has been a reliable name for years.
That just means that it's a signal the other will be following- not a good sign.
They only want customers that promise never to file a claim. You can be sure claims are down because people are too scared to file any so the insurance industry wins bigtime.
There is another reason why an empty in-ground pool could prove problematic.
Pool water serves to support the walls of a pool against the pressure of the surrounding soil. Remove the water, and there is a risk of the pool collapsing inward in response to soil pressure.
I learned that about 18 mos. ago when I, too, was considering emptying the pool to save money. The internet, which never lies, told of the danger of an empty pool.
If they cancel your policy, when you’ve paid you premiums for years, they should be required to give a refund.
Lady never heard of a pool cover lol
Yeah exactly it looks kinda junky and probably a injury risk factor
@@_heycupcakeDoes home insurance cover injury?
@@_heycupcake I believe the main reason the cancelled her insurance is because the only reason they give some people fire insurance is because they have a full in ground pool that the fire department can use to fight fires by sucking the water out
If they really are no longer going to use the pool, best to fill it in. How does the insurance company know that they won't want to use the pool at a later date and will file a claim to do repairs, before doing so?
It's a falling hazard.
People don't even ask how legal is it, to do drone surveillance over someone's private property.
I don't think the pool thing is so unreasonable. The pool affects the value of the property. having an empty pool with potted plants in it suggests the pool is damaged.
I'm guessing if it had a cover over it they would still have insurance.