Building or outdoor equipment? You can decide, but our insurance adjuster said this could be considered either–depending on what his boss says. Outdoor equipment means much less money for replacement. Go figure.
The good cop-bad cop ploy was as transparent as plastic wrap. Here’s what he saw:
Five days later, after the storm/tornado laid one tree on this and one on our house, we have nary a penny out of Farmers. We have no timeline for when they might cover our property. We hired a tree service and paid out of our pocket for the two trees to be removed. No notice on when we might be reimbursed.
Our policy from Met Life–excellent insurance–was bought out as Met Life Home and Auto was sold to Farmers in a corporate takeover last fall. A tree service owner said his two worst insurance companies to deal with are-drum roll-Farmers and Allstate. As Groucho would say, make a note of that, Jameson.
Farmers. Anyone who stays with them is dumb-dumb-dumb, dumb-dumb-dumb, DUMB.