I had Allstate for homeowners insurance. Hail storms, wind storms, etc etc, they’d all say “this roof has another 10 years”. After a bad hail storm an adjustor came out and outright contradicted himself on what is and isn’t hail damage. Denied a claim.

A couple years later we got the tail ends of a hurricane. Trees down, tore off an awning, the works. Adjustor comes out and says it’s not enough damage to replace the roof, only minor repairs on 2 slopes. I fought that shit for 15 months. 2 more adjustors came out and the last one I specifically pointed out new water damage on the ceilings in 4 separate locations in 4 separate rooms. At one point they said “why didn’t you put a tarp up?” To which I replied “why should I put a tarp up if there was no roof damage?”

They finally agreed to a new roof, and had to pay out to repair ceiling damage.

A month after construction was complete I cancelled the plan and moved to USAA (who is also a pain). I would still occasionally get calls from the local Allstate rep asking about switching back to which I tell them to fuck off.

Seems quite inhuman, does it not?

Guess who paid an ER bill in full today!