Author |
Message |
Tabbyking
Member
03-11-2002
| Tuesday, February 14, 2006 - 4:19 pm
RN Huk is hap-hap-happy that Vacanick included her! Yay, and Happy Valentines Day! Look at silly Barbie and Ken celebrating the day: hello, isn't that pamy and sirbill? pamy, please go back a page and let me know if my hunch is right! thanks 
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Tabbyking
Member
03-11-2002
| Tuesday, February 14, 2006 - 4:46 pm
RN, GDITHAB. (goddamnittohellandback). we have had ongoing problems with our farmer's insurance. no, we aren't farmers, and no, that's not the problem. we bought shingletown house in mid-september. i arranged insurance through a shingletown person, who is an agent for farmer's, at the end of september. she told me it would be about 775/year or roughly 65-67 dollars a month if we impounded with our mortgage and taxes. everything gets signed, we pay a whole year up front with our closing costs and will have just over 65 bucks impounded each month. i let the gal know to start our insurance on october 24, our closing date. on the 29th or 30th, she calls me to ask if we still need the insurance to start nov 1. i said, "HUH!? we have renters in there and i told you october 24!" she assures me she will take care of it immediately. a week later she calls me in our central cal home to ask if i got a refund check of 775 dollars. i ask why, after telling her, 'no'. she mumbles something and hangs up. she calls back a few minutes later and verifies my central cal address. i ask her, "we do have insurance, right?!" and she assures me we do. on dec 13, we get a refund check at the central cal home with a form that's checked: "this check is being reissued because prior check was not cashed within 6 months". huh? what first check and what 6 months?! i call the agent and she says, "farmers just always spits a lot of stuff out. ignore it. toss it out. you have insurance." on december 23, we move into new house. there is a pile of mail renter has picked up from the post office. six pieces of mail are from farmers. one is a check in the amount of 775 dollars. it has been at the post office for two months. i call the agent and tell her i now have the first 'refund' check the insurance sent out. what to do with it? "toss it out. you have insurance." i have my mom call a friend in the insurance business. she checks and sees that "one check was issued, but never cashed. your daughter has insurance, but it looks like only because she didn't cash the check. have her make sure her agent has her lined up for insurance!" i call my agent. she calls me back. she says she has talked to a bunch of bigwigs at a regional office and i have insurance. i ask her to give me their number and names. she tells me it's a place only agents can call. i tell her to send me a FAX stating i have insurance on such a such property and to sign it. she does so. we went to the house last friday and there is a notice from farmers that our insurance was canceled on dec 27 for nonpayment of premium. they had given us several days to pay the 775 dollars and if we had just paid it, our policy would not have been canceled. hello? we paid the 775 with our closing costs. they tried to refund it, twice (for what reason, we have no clue). when we didn't cash either check, the policy should have stayed. instead they canceled it until we paid 775 dollars....which, we had already paid in full. we also are having money impounded each month toward NEXT year's insurance costs. my dh, LIVID at this point, calls the insurance agent and she is gone for the weekend, at 3:00 on a friday. so he calls an agent in another town. the agent calls our agent at home and gets her to call us. she doesn't know what is going on, she assures him we have coverage, it's just paper that farmers spits out unasked for, etc. he asks what if we had a claim and found out we didn't have insurance. he'd file a lawsuit with her agency. lots of shouting later, they end up the call halfway friendly and we are assured we DO have insurance. last night, my husband discovered there is a break in a pipe in an inside bathroom wall and the entire wall is turning to soup. he calls farmers to file a claim and finds out we have NO f'n insurance. he has been on the phone all day with all kinds of farmer people. i had to FAX our closing statement page, the pages from the agent showing our coverage, checks and the coupon book from our mortgage co., showing the impounded amount for insurance, the ripped in half checks (which i just could not 'toss', even though i was told to do so)... we are livid!!!
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Julieboo
Member
02-05-2002
| Tuesday, February 14, 2006 - 5:06 pm
Sorry to hear that Tabby. State Farm rules... I can't tell you how many times THEY call us to make sure all our stuff is right.
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Tabbyking
Member
03-11-2002
| Tuesday, February 14, 2006 - 6:41 pm
RN, i want YOUR state farm. or at least your agent.
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Mamapors
Member
07-29-2004
| Tuesday, February 14, 2006 - 6:42 pm
RN I just learned watching the news that dark chocolate is a treatment for diarrhea. You would think they would have had other things to report on.
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Mameblanche
Member
08-24-2002
| Tuesday, February 14, 2006 - 6:50 pm
(((((Tabby & DH))))) So sorry to hear of your insurance troubles. Sounds like a call to the local BBB - Better Business Bureau. Since you have everything documented, you are at least ahead of the game. And you have (supposedly) the support of the agent, who kept handing you all that verbal reassurance, er, BS. Seems like the least she'd do is try to fix things for you. Man what a mess. I live in fear of that kind of thing myself. Keep us posted, hon! Good luck.
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Twiggyish
Member
08-14-2000
| Tuesday, February 14, 2006 - 7:02 pm
Tabby, I can only tell you to keep fighting. You can always call your insurance commissioner. You can file a report. Trust me, it's sometimes your only option. http://www.insurance.ca.gov/ I think that one is for your state.
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Twiggyish
Member
08-14-2000
| Tuesday, February 14, 2006 - 7:05 pm
RN, I'm barely able to keep awake. I must be getting old..LOL
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Vacanick
Member
07-12-2004
| Tuesday, February 14, 2006 - 7:31 pm
Right now ... I love Valentines Day! I got a beautiful doll which is a replica from one I had as a child and 12 gorgeous long stemmed red roses! It's our first Valentines Day and he did really good! We're going to celebrate together this weekend! 
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Mamie316
Member
07-08-2003
| Tuesday, February 14, 2006 - 7:36 pm
Right now, I'm so glad Nic! I'll hold off the Sopranoness for now. My husband went and bought all the fixings for dinner and prepared a wonderful meal.
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Vacanick
Member
07-12-2004
| Tuesday, February 14, 2006 - 7:45 pm
Right now ... Mames, how did I know it would involve a delicious meal??? Your DH is an absolute keeper!!! 
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Mamie316
Member
07-08-2003
| Tuesday, February 14, 2006 - 7:47 pm
Right now, sometimes he is!
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Landi
Member
07-29-2002
| Tuesday, February 14, 2006 - 9:18 pm
right now, my valentine's day included roses, see's chocolates, and dinner out. he's not sleeping on the couch tonight.
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Mameblanche
Member
08-24-2002
| Tuesday, February 14, 2006 - 9:52 pm
Right now, ValDay is over, and my dh frankly outdid himself. When I met him I nicknamed him Mr. Romance... well he certainly lived up to his moniker tonight: Hrew's what I posted in my folder tonight... Flower Question - SOS!!! Anyone here with a green thumb? That would NOT be me. My optimistic and obviously crazy in love dh got me an exotic flower which he insists I must keep alive for at least a couple of weeks. Yikes. Its really pretty, and I do love it. I'll post pix below, and hope SOMEONE can give me advice on the care and feeding of what we think is an orchid... it says Phalaenopsis on the flowerpot. I think its Latin for 'Oh no, I got adopted by Joycie- I'm doomed, doomed I tell ya!' (There's a pic in my folder of the orchid.) In a subsequent post I wrote: In addition to the beautiful plant, Vin surprised me by arriving home with a hot dinner all ready, breaded veal in tomato sauce, and roasted veggies. Plus, a huge box of cannolis, and 2 bags of heart-shaped Italian cookies. Oh, and I'd asked him to bring home ice-wine so he got 2 bottles! We kinda polished one off tonight... burp. And then the piece de resistance... he gave me a BEEEOOOTIFUL diamond and amethyst ring... ( see pic in my folder. ) Y'know, I love the guy when he's grumpy, in a sweaty tee-shirt and old jeans and griping I'm on the 'Net way to often and too long. But y'know, when he is THIS romantic, its easy to remember how he got me to fall madly in love with him in the first place. He can be such a romantic when he wants to... now if he would only take me dancing... see I can never be satisfied. That's me, Ms. Greedyguts. I gave him a sweet little stuffed polar bear, a cute card, and a snazzy manicure set cuz he's a metro-sexual and he loves his manicures and pedicures. Now I gotta turn off the computer, and the light, and show him just how Romantic I can be too... and figure out what I'm gonna do to top all this, cuz his b'day is less than a month away... Yikes!
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Tabbyking
Member
03-11-2002
| Tuesday, February 14, 2006 - 9:56 pm
RN, my valentine's day included a trip to the vet with kendall, forcing 2 amoxicillin down him, fighting with an insurance company, and trying to fix a broken sprinkler head. but ds called, i asked if he would be my valentine and he said, "i guess so. sure." he was happy to tell me he was accepted to san diego state. (he was right out of high school, too, but chose cal poly at the time). he is waiting on ucsd and ucla. i would be proud if he got accepted to one of the UC's, but we can maybe partly afford to help him through a state university. so i would be perfectly happy with san diego state for many reasons, not the least of which is we have moved ds three times in as many years, with firsts and lasts and pet deposits and the physical move when we are hundreds of miles away. if he does go to san diego state, he can stay where he is, even though it's several miles to the campus. if he got into ucla, well, that's about 130 miles north and not commutable! jeez, landi, i was gonna offer chuck my couch so he could stay up with a sick puppy tonight! figures he 'done good' and gets to sleep in the royal chamber tonight 
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Mameblanche
Member
08-24-2002
| Tuesday, February 14, 2006 - 10:45 pm
RN ((((TABBY and KENDALL))))
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Skootz
Member
07-23-2003
| Wednesday, February 15, 2006 - 3:33 am
Right now...Woohoo Landi, no couch for your dh tonight. It was wonderful talking to ya too. I just love your accent. Right now...off to Mames folder to see the gifts of the day. right now...I did get a beautiful floral arrangement. I just love it and the colours.
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Secretsmile
Member
08-19-2002
| Wednesday, February 15, 2006 - 5:37 am
Right Now I'm heading to the airport to pick Devin up for his leave! YAY!
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Lumbele
Member
07-12-2002
| Wednesday, February 15, 2006 - 6:11 am
Right now I am thrilled for the Secret clan. Hug the stuffing out of that boy for us, too, Secret.
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Spitfire
Member
07-18-2002
| Wednesday, February 15, 2006 - 6:35 am
Right now I am soooo happy for Secretsmile!!
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Ladytex
Member
09-27-2001
| Wednesday, February 15, 2006 - 6:47 am
Right now I'm so happy for SS and the family!!
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Jeep
Member
10-17-2001
| Wednesday, February 15, 2006 - 7:08 am
Right now, our main business program at work is down and all we can do is play games or go on the internet. Yeah! Guess I should really do some paperwork. Blah.
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Mocha
Member
08-12-2001
| Wednesday, February 15, 2006 - 8:56 am
Rn yay Secret!!
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Mamie316
Member
07-08-2003
| Wednesday, February 15, 2006 - 9:05 am
Right now, that's such great news, SS. You just enjoy each other!
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Vacanick
Member
07-12-2004
| Wednesday, February 15, 2006 - 9:27 am
Right now ... it's nice to hear such great news! Congratulations SS!! 
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