winklergrandson wrote:about 14 years ago when I lived in Wyomissing, Pa (Reading) we had an earthguake (4.2 richter) it dropped some terra cota lining into my oil run furnace...it "backpuffed" in the middle of the night......what a FREAKIN' nightmare. My insurance agent said I did not have earthquake coverage on my policy...i told him that house was 40 years old and the "lining" to the chimney could have falled w or w out a earthquake....only one person or being knew what caused that "stuff" to fall into the furnace...old age or earthquake and that person was the MAIN DUDE UPSTAIRS...I told my agent if you got a direct line to him I need to talk to him because everything I own is ruined. Eventually State farm opened a claim. State Farm is the WORST if you ever have to claim any of your premiums back
So are all companies when someone wants coverage for something they didn't purchase
. I am an insurance agent and people opt not to have earthquake coverage, rental on their cars etc, but as soon as they have a need for the coverage they want the benefit. I have three policyholders in my entire book with Earthquake (earthmovement) coverage. If we had a quake I would have a rush on folks wanting coverage for something they opted not to have. Same goes for flood, no one wants to pay for it but they want the benefit when they are flooded.