Florida insurance carriers used altered hurricane damage reports, whistleblowers say

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60 Minutes

Күн бұрын

Пікірлер: 5 200

@nias2631 Ай бұрын

Insurance companies only ensure you pay them every month.

@chuckxu5910 Ай бұрын

Florida is a great red state 🇺🇸

@PNW_Sportbike_Life Ай бұрын

Ensurance companies?

@sassyd8738 Ай бұрын

life insurance too a shame they dont tell people if you start and pass 6 years later if you think you getting the payment you think they telling u nope you only getting the 6 yrs you paid if you lucky a shame a shame life insurance companies funny too

@Esther-lm6pm Ай бұрын

Ummm. Everybody's known that since life insurance started. You only get what you paid into it duh@@sassyd8738

@susannpatton2893 Ай бұрын

Hey. Everyone has hit the wrong letter before. You're no different so stop it @PNW_Sportbike_Life

@mahoser64 Ай бұрын

I recommend the INSURANCE ADJUSTERS BE MANDATED TO GIVE A COPY OF THEIR REPORT TO THE HOMEOWNERS!!!

@MDAdams72668 Ай бұрын

I ALWAYS ask for a copy and to date have always been sent one Very often the adjusters (in the field) are honest hard-working individuals It is the corporate "desk jockeys" that are usually to blame When you have a copy of the correct amount, from a licensed adjuster, insurance companies are far more likely to pay

@crashingatom6755 Ай бұрын

@@MDAdams72668Desk jockey. Lol. Actuarial accountants?

@BamBam_BamBam_ Ай бұрын

They are..? lol mine gave me mine without asking

@001USA001 Ай бұрын

👏🏼👏🏼😃👍🏼

@debradiane3929 Ай бұрын

I had an automobile insurance adjuster come out and he was so friendly, he emailed me a copy of the final damage report. Months later when my own PIP insurance denied my daughters medical claim because they said there was only $650 worth of damage to the car, I was able to send my agent a copy of the damage report that showed it was over $10,000. Needless to say, they re-evaluated my daughter and extended her medical coverage another year. I always thought it was just an incompetent claims person, but after watching this video, I am thinking it may have been done on purpose. Crazy.

@Star-u3t1l Ай бұрын

Anyone who committed fraud to hurt homeowners, should be in jail.

@Omikoshi78 Ай бұрын

@@Star-u3t1l it’s the governor they voted for. Their governor loosened insurance oversight. Now they’re paying for the consequences of voting in a fraudster.

@shanecoleman7114 Ай бұрын

Prison actually.

@patriciatoomingtheplantpar2558 Ай бұрын

We should start with Desantis he made this arrangement

@LilNewtGingrich Ай бұрын

And the managers who oversaw it.

@christineromannoodles9616 Ай бұрын

🙏🙏🙏

@Michael-rx6ji Ай бұрын

Isn't this insurance fraud by the insurance company?

@meritamity Ай бұрын

Companies. Yes. It's fraud when they mark down an estimate like that, from licensed insurance adjusters.

@nullnullnullvoid Ай бұрын

its only fraud when the policy holder alters a number, if the insurance company alters it then its legal and expected

@IBumpg Ай бұрын

Insurance IS fraud.

@ADRIFTHIPHOP Ай бұрын

nah business as usual

@amazinggrace313 Ай бұрын

Yes, yes it is

@bulkvanderhuge9006 Ай бұрын

Insurance is the BIGGEST SCAM ever. "You're required to have Insurance, but we'll NEVER PAY YOU"

@Shelley-j2y Ай бұрын

Same with medical and medicare. They steal it out of your check and then make you pay for it. What a great scam, huh? Oh, and then give the illegals free insurance. Americans need to wake up.

@caroleelder4836 Ай бұрын

Unless you’re illegal

@SaraGrant-xj4lr Ай бұрын

@@caroleelder4836Careful , your racism is showing.

@andrewbarker8631 Ай бұрын

No. Just our observation lol. Its a damn shame people missing limbs are going without while 90 percent of consultations at the social security office are in Spanish 😢 @SaraGrant-xj4lr

@Fomogarage Ай бұрын

@@SaraGrant-xj4lrhow is that racist.. it’s not wrong. If your an illegal you won’t be paying insurance

@oldmoviesinbwwithsubtitles3501 Ай бұрын

$ 231,000 down to $ 15,000. Unfreaking believable....

@CamCapollo Ай бұрын

i am an adjuster and that’s basically a whole another estimate. i’m curious to know if there was any endorsements that would deny coverage of some items…

@RS-un7zm Ай бұрын

@CamCapollo no "wind & hail" damage coverage would do this.

@patriciatoomingtheplantpar2558 Ай бұрын

@@RS-un7zmin Florida you have to have that in your policy if you have a mortgage, they said they are still paying the mortgage and rent. You can only opt out if you own your house clear

@omegaz3393 Ай бұрын

I'm guessing the total claims would have exceed the funds the insurance company has. Thus bankrupt and those who qualify would recieve some 1 time payments from the government. Nearly all the big insurers have abandoned this market after m.j any nearly went bankrupt before. And without government help, many big names everyone knows would no longer exist at all. I believe in the last decade, something like 9 insurers folded in Florida. Currently, if you have insurance, you don't give it up. There's no one to replace them with.

@noLi1116 Ай бұрын

@@RS-un7zmEXACTLY WHAT I WAS TOLD!

@carbonforms Ай бұрын

If this isn’t a crime, the word has no meaning.

@YM-wj2dr Ай бұрын

I'm sure many of the insurance carriers just offer to refund the insurance premiums paid up to that time. My father who would be well over 100 years old now if alive used to work in insurance when he was young. He said they were fraudulent back then also.

@chouleanghak5085 Ай бұрын

It's a sin and the penalty is more severe than a death row. It's hopelessness and it's hell.

@shwnshts9469 Ай бұрын

@@chouleanghak5085 maybe the Lord will bless us with a salvation from the pain these crooks hand out

@jill6979 Ай бұрын

100%

@scottcates Ай бұрын

capitalism

@YouCantSuspendMe Ай бұрын

You're required to carry insurance but they are not required to pay you the full value for replacement!

@charlenemack7040 Ай бұрын

Thank God for whistleblowers.

@sdsudjrtz Ай бұрын

Doesn't matter when they pay off those in charge. No one has been prosecuted yet! Also, I can't believe this guy didn't change insurers!

@Dee-zg2yo Ай бұрын

AMEN

@judymcdaniel5236 Ай бұрын

Good luck changing insurance while a claim is not being paid and nothing is fixed.

@dianapodrovitz3067 Ай бұрын

@@sdsudjrtz He can not change with his house damaged like that. No insurance company would take him.

@sdsudjrtz Ай бұрын

@dianapodrovitz3067 what would happen if another storm hits and the house is leveled? Would they pay for it to be rebuilt?

@BBzzzz667 Ай бұрын

I was in ft Myers. They altered my claims down 90%.this is true. I was part of the news research.

@tjodogify Ай бұрын

WOW …..ins IS a scam…I might have a nice retirement fund from all I’ve paid…they should all be audited with fines imposed for lying and misleading their customers…most belong in jail..

@user-account-not-found Ай бұрын

Still live there?

@garufia Ай бұрын

This is really, REALLY not surprising. Sorry to hear about your situation. They hold the cards while you need help and are stressed. But that is what they rely on, that a good percentage of people will give up.

@lesliewheeler7071 Ай бұрын

Thank you for speaking out. I hope you get what you're owed and more.

@Benglator1 Ай бұрын

@@user-account-not-found Doesnt matter where you live. You are just a day away from a disaster of your own. Will your insurance pay out if you have a large claim?

@biglou9776 Ай бұрын

Allstate and Geico for example have no problem spending billions yearly on advertising but when it comes time to pay you...Good Luck!

@tw8464 Ай бұрын

Exactly!

@Swaggmire215 Ай бұрын

And i have geico😬😬😬

@dimplepatelpharmd.3176 Ай бұрын

All insurance companies should be prohibited to use famous people in ads and then passing on the cost to policy holders.

@robingalbraith323 Ай бұрын

or they could....not pay their CEO 14 million a year? i bet that 14 million would cover an awful lot of home repairs!

@lolalalia4119 Ай бұрын

I had geico car insurance when I was hit at a red light. Despite the geico lawyer saying outright that the other driver was absolutely lying and the evidence proves it, I was still found at fault cuz the other driver had USAA veterans car insurance. He literally said Geico absolutely thinks it was 100% the other driver's fault but they had better lawyers and it was cheaper to pay them for them HITTING ME and increasing my monthly rate from $70 to $170 than to defend their client, me.

@BushyTop08 Ай бұрын

The CEOs and managers of these insurance companies should be spending time behind bars.

@BluefootDStank 26 күн бұрын

Our justice system is a joke. It’s takes years just to get someone in court let alone behind bars.

@somethingclever1234 Ай бұрын

Good on you 60 minutes for calling these scumbags out by name. Thank you Jordan for bringing out the real story.

@jayabacromby675 28 күн бұрын

Have you seen any follow ups? That's how much 60 minutes cares.

@IsaDesOsiers Ай бұрын

Thank 60 Minutes for covering this. This should be national news on blast constantly in every aspect until it is fixed for property insurance, health insurance and every other insurance.

@7xtc25 Ай бұрын

This is classic 60 Minutes material. I just wish they could be unbiased about everything. They used to be. - make 60 minutes great again!

@BB-jw6iu Ай бұрын

they only cover it because its hot and in their interest

@paulkelly7784 Ай бұрын

Too many people worried about kamala harris laugh.

@nullnullnullvoid Ай бұрын

it wont be fixed, its working as intended

@inthedarkwoods2022 Ай бұрын

Do you think they read these comments Einstein?

@HelloWorld-hb7yt Ай бұрын

not just home insurance, it's health insurance, dental insurance, car insurance, life insurance...

@8325A Ай бұрын

100% true!

@Senorzilchnzero Ай бұрын

That's because almost everything in the west is synthetic. Its fake. It's all made to look like original. It's all about money money money.

@ZetaMoolah Ай бұрын

Biggest racketeers ever

@allover9792 Ай бұрын

💯American capitalism at it's best. Fraud, greed, and deception smdh.

@RidingWithBobby Ай бұрын

🎯

@randallsmerna384 Ай бұрын

There's nothing more despicable than charging a premium and then shafting your client.

@jondoe406 21 күн бұрын

That's the entire business model of insurance companies

@jamesramsey9172 Ай бұрын

Insurance is legalized extortion.

@638g Ай бұрын

Insurance companies are the middleman. Follow the river to its source.

@Kevin-tn5rr Ай бұрын

A license to steal

@CarpeUniversum Ай бұрын

And always has been.

@tommydong8070 Ай бұрын

Scam.

@ArthurDentZaphodBeeb Ай бұрын

Nonsense. Don't buy it then.

@mcduvall2000 Ай бұрын

But if customers make a false claim, it's insurance fraud and they go to jail... ya, makes sense.... Same thing happens in health insurance... even though we pay them a fortune for it...

@chiapets2594 Ай бұрын

Facts

@nessajenean8705 Ай бұрын

Facts

@vivica8207 Ай бұрын

Yep, brother is going through that. Pay 600+ a month for years, finally need to make a claim, they denied it for preexisting condition. IT IS NOT a preexisting condition. There is NOTHING that he has ever had done, because he is pretty healthy. He doesn't have any preexisting conditions. It's absolutely crazy!!!

@keepmoving2023-ku7nb Ай бұрын

Exactly 💯

@DR-um2bv Ай бұрын

Welcome to America buddy. Officers says on bogus traffic stop I smell weed need to search your car or charge you and jail you for something. Now you have to pay bail, Lawyer , court cost and you don't get any of your money back. Just a o well we tried and failed next customer please

@bartosullivan8050 Ай бұрын

Where is Florida's Governor? Where is Florida's Attorney General? Looks like a great opportunity for some lawyers to commence a class action lawsuit.

@lzrosenbaum64 Ай бұрын

They caused that fraud!! They removed the Attorneys Fee Statute so lawyers cannot afford to represent homeowners properly. Now insurance companies can do what they want.

@christinamarie3598 Ай бұрын

Are you kidding me.. he owns stock in the same insurance companies that are doing this

@Sarcastic_Asmodeus Ай бұрын

Buying golf courses.

@SquirminHermanthe1eyedGerman Ай бұрын

they ARE in on the scam

@faurest8929 Ай бұрын

Drinking at Mara Lago

@johnnyleopard2668 Ай бұрын

This is outrageous. Excellent reporting

@gokaren420 Ай бұрын

Insurance companies committing Insurance fraud against their customers. Pure greed and unethical behavior.

@barbaraellis6637 Ай бұрын

And it happens every day 🤬

@carolstrasburger7611 Ай бұрын

The CEO needs a new Mega Mansion and Yacht you know.....

@Cerceify4645 Ай бұрын

Now I realize all the complaints after we taxpayers paid for a special session to fix this problem in Florida. Another fraud. I had to cancel my homeowners Insurance with USAA when they raised it 40% about 12 years ago with no apparent reason.(Except I called them the month before to ask for a way to lower the premium.) Now it would probably be another 300% raise like my neighbors.

@tommcfadden5232 Ай бұрын

It’s beyond that. It’s illegal.

@CSCalm Ай бұрын

Then the construction companies do by overcharging the insurance for work they never do, never come back to finish but take the money, leaving you with a home you cannot live in, then have to file suits and wait

@gybzen Ай бұрын

I'm sick and tired of insurance companies. They are a casino, where all Americans are chained to the seats, while they're allowed to rig the payouts entirely.

@schex9 Ай бұрын

Not even a casino because policyholders have NO CHANCE of getting the coverage they paid for.

@lulumoon6942 Ай бұрын

Just gave this analogy to someone earlier today!

@theproudsoutherner587 Ай бұрын

Perfect analogy

@TheActualLiz Ай бұрын

Yeah. We need to just make insurance illegal already. I'm over it

@MtownsGreatest Ай бұрын

1 of the largest Legal U.S. crime organizations that we're forced to give our money to!

@mrl_5634 Ай бұрын

Seriously, what is the point of having insurance? Any time you actually need it, the insurance companies will fight tooth and nail to NOT have to pay you.

@joangavitt4956 Ай бұрын

Exactly. Then you'll be surcharged for filing claims.

@jamiehovis7722 Ай бұрын

I paid car insurance for a decade. Not once did they pay out over about a dozen claims.

@Brucelee89896 Ай бұрын

im glad i don't have house insurance, i know is a bad idea not to have it but already survived many hurricanes in fl

@scarletteclare2667 Ай бұрын

@@jamiehovis7722what did they not pay out on? Did you have liability only? If so, they don't pay YOU anything unless you purchase collision and or comprehensive with the liability coverage.

@keely2014 Ай бұрын

The insurance lobby is very powerful and generous with politics. Insurance is easy money. Set up an agency in any town in America and you'll make money.

@HazelnutPretzel Ай бұрын

Thank you for covering this for people

@davidshah06 Ай бұрын

This storm is bout to have insurance company looking for bail outs from the government while the CEOs on yachts

@nias2631 Ай бұрын

No doubt about it. Probably will bring Clarence Thomas too, in case they need a ruling.

@katyelder.5 Ай бұрын

The lawyers and builders are going to make a lot of $$$$.

@rvninnorthcarolina3377 Ай бұрын

NC will be like Florida became with super high priced, high deductible insurance or no insurance at all.

@jessjess23brooks89 Ай бұрын

@@rvninnorthcarolina3377I literally only just got the damage Ian did to my roof, ceiling and electrical all repaired a few months ago. We found the cheapest work possible and did a lot of the repairs ourselves and it still took two years to get a complete payout. I don't know how anyone would make these companies pay for the kind of catastrophic flood damage Helene caused. My work all totaled in under 20,000. I don't know what those poor people are going to do and how shafted they will be.

@vermiliongamboge155 Ай бұрын

@JEvans-f4x Pffft!

@DarkPesco Ай бұрын

Company: Lie and commit a CRIME! Adjustor:. No. Company: Then WE shall lie and leave your name attached!

@lesskinner8588 Ай бұрын

. . . and then fire the honest adjuster.

@semperfi1833 Ай бұрын

I had extensive damage from Ian, I made a claim and received 3 estimates. My insurance company came no where close to the amount to make my house whole again. Due to the fact, my pool was exposed because my fence was obliterated and there’s kids in the neighborhood that I didn’t want to wake up and find the young kid face down in my pool I put a fence up. I had a knock on my door and was served by my insurance company because I made an authorized repairs because I did not use their preferred provider . It’s been 2 years with my lawyer fighting them. I’ve wrote multiple letter to the governors office and insurance commission with no response. I’ve spent thousands on tarps and have to be on the roof at least three times a month fixing or replacing them one of the bedrooms I had to cut the entire ceiling out because of mold now that room is vacant with nothing but buckets in tarps in it. The system is absolutely failing us.

@dontmatter966 Ай бұрын

This is by definition fraud

@inthedarkwoods2022 Ай бұрын

So...

@eyes2c..519 19 күн бұрын

Only when citizens do it when banks or ins company's do it its an error oops they're involved w the corrupt system

@exquizit_d Ай бұрын

The fact that a customer has to spend money on a lawsuit just to get the insurance company to pay for something they should have paid out, is absurd. The fact that insurance companies are committing these crimes and there are no legal repercussions just shows that no one cares about the consumer, who has been doing their part by making their payments.

@divinewon73 Ай бұрын

The head of the OIR is the Florida Insurance Commissioner. The Commissioner is appointed by the Financial Services Commission (FSC). The FSC is comprised of the Governor, Chief Financial Officer, Attorney General, and Commissioner of Agriculture. The governor and other Republicans appoint the commissioner for insurance… They are all scratching each other‘s backs, and washing each other‘s hands while they get rich at the expense of taxpayers. Is everybody tired of paying lots of money just to get some crooks rich? Vote blue!

@randaltotten9358 Ай бұрын

Thanks to Ron DeSantis and Rick Scott who are loved by the insurance companies

@sunfollower5623 Ай бұрын

Do you want to make things better for your state, Vote Blue.

@blessed7fold Ай бұрын

@@sunfollower5623Wrong!

@Hannahsunshine- Ай бұрын

@@sunfollower5623 what's the Blue's plan for fixing this issue?

@M00NdaYn Ай бұрын

Bless you Jordan. For coming forward about what is happening. You will be remembered as the good one.

@angieatvegas Ай бұрын

I am in love with Florida beaches, my husband agreed to move to Florida, but we never did ....now I know clearly why we didn't..... Prayers to the Floridians dealing with hurricanes ❤️🙏

@EnlightenedSavage Ай бұрын

Going through a hurricane right now.. I ready leave this state.

@privatecaller1418 Ай бұрын

From 1968 here. Stay away. Corruption everywhere. Hurricane insurance worthless fema worthless. Can't get insurance anymore.

@privatecaller1418 Ай бұрын

@EnlightenedSavage own from 1968 ready to leave too. 47 feather and fur looking out of Florida corruption.

@privatecaller1418 Ай бұрын

@@EnlightenedSavagetornado 1/4mile away. Not flooded. Just tired of $$$ prep$$$ repairs

@spunkycat6144 Ай бұрын

They are hiding their unethical employees names. It isn't software. 😅

@leaannadavis1959 Ай бұрын

Yep Those names are in their database guaranteed.

@susieq5270 Ай бұрын

Insurance companies are in bed with the state regulators...

@KidsandKittens217 Ай бұрын

That's right!

@malachi- Ай бұрын

No different than any industry, they (lobbyist) are in bed with everybody... anybody that really thinks the gov is for the citizens, has been taken. The whole constant goal of business is, how can we scam people even more, and better, that's it!

@MDangk9 Ай бұрын

They bribe the state regulators with a lot of funding when running for election.

@vickijohnson9367 Ай бұрын

In bed with Govenors, Senators, House of Representatives, Judges…the United States is now a third world country with no rule of law.

@theamused8705 Ай бұрын

What else is new? Corporations have always ran the government.

@blyat4842 Ай бұрын

Prison for these people, disgusting behavior, and OUR STATE HAS DONE NOTHING.

@divinewon73 Ай бұрын

@lovesign7882 Ай бұрын

Sorry... The best that our pathetic politicians can do is award these companies huge subsidies for doubling our premiums and scamming us, so that the other companies agree to follow their lead.

@mariasant7810 Ай бұрын

Governor DeSantis is busy antagonizing Disney instead of ensuring Homeowner insurance companies pay the appropriate $.

@lovesign7882 Ай бұрын

Sorry... The best that our pathetic politicians can do is award these companies huge subsidies for doubling our premiums and scamming us, so that the other companies agree to follow their lead.

@lovesign7882 Ай бұрын

Sorry... The best that our pathetic politicians can do is award these companies huge subsidies for doubling our premiums and scamming us, so that the other companies agree to follow their lead.

@Ksnamaste Ай бұрын

This will not encourage people to buy homes. It’s so shameful.

@tweedledee3872 Ай бұрын

Our roof in SW Florida was damaged by hurricane Ian and caused some interior damage. Insurance company offered us $1000! One year later after hiring an attorney they paid out $91,000. Of course, a big chunk went to the attorney. Our neighbors with different insurers also received low offers on their claims until they sought legal representation.

@imlost19 Ай бұрын

and now that settlement would be half of what it was because homeowner's lost the right to collect attorneys fees

@anaibarangan4908 Ай бұрын

That's it, always have to hire attorneys to get insurance companies to pay. That's insane GREED

@Cahluvca Ай бұрын

That is disgusting....

@brianfl33916 Ай бұрын

Insurance carries have been complaining to the state and say the reason why insurance premiums are so high is because 40% of the claims paid out went to lawyers. But if they paid claims in good faith homeowners wouldn’t need to hire lawyers in the first place.

@movimientomaestrorecords Ай бұрын

Bad if it's too low , bad if it's too high. Fix your own roof then

@ruthdanielson919 Ай бұрын

You've been traumatized by storm and loss and psychologically can't deal with a lawsuit. Kicking people when they're down. No arrests?

@KidsandKittens217 Ай бұрын

Yes, I went through this. Unable to fight back. Exhausted from the heat, and the rain. For one thing, it's very difficult for an individual to PROVE their case. Businesses know this. In an emergency situation you have to hire SOMEONE immediately just to stop further damage to your home. I hired and ended up with horrible work done. And a dishonest contractor demanding I pay for horrible work that had to be redone. The regulating Agency passed this contractor's work without even inspecting. When I wouldn't pay, he put a lien on my house and foreclosed the lien. Very difficult to find a business that will help you fight another contractor. None of them want to critique another person's work. My house STILL needs the repairs it should've had. I spent all the money I had on an attorney just to stop the foreclosure. No one would help me. I've been learning how to do it all myself. It's taking YEARS. And as you said, "No arrests." However, the Agency that passed the work of the first contractor did arrest ME for violating Code by having construction materials in my backyard for more than 7 days. In my city it's a CRIME for a homeowner to have constuction materials in their backyard for more than 7 days. Yes, you got that right. It's not a Crime for a Contractor to CHEAT an elderly lady, but it IS a Crime for that elderly lady to have construction materials in her own backyard for more than 7 days. The City Took everything -- all my materials and my scaffolding, ladder, etc. Even my wheelbarrow and rolling metal carts I was using to move the materials. And they ARRESTED me!

@lalamotolady Ай бұрын

Bless these folks for standing up and speaking out!

@SpiritualDivine Ай бұрын

Hopefully NC & TN are taking note!

@YaknTackle Ай бұрын

Heritage and those alike should be prosecuted and jailed....

@patl.4170 Ай бұрын

And fined!

@sandrastoel4257 Ай бұрын

Apparwntly, only the innocent go to jail.

@susancoulange382 Ай бұрын

I had a neighbor's tree fall on my house. The insurance company kept saying: wind damage: $6,000 deductible. It wasn't wind damage on a beautiful day. I access a website that showed the wind speed every 5 minutes in my area. No Wind! I submitted that to the insurance company, along with a description of what damage could be expected for different wind speeds. What could they say? My deductible was $500. Take THAT! You just have to stand up and be the squeaky wheel. It's a nightmare dealing with insurance companies. After we lost everything in Katrina, I said: it's not insurance, it's an illusion of insurance.

@BAngel-kr2ty Ай бұрын

You're insuring your stuff against man made climate change caused purposefully using technology - geoengineering.

@shaun5047 Ай бұрын

Maybe I’m just negative but I just expect insurance companies to look for reasons to not pay. I think people find themselves in these horror situations and forget the insurance companies are a business. Lol Aka absolutely they’re not going just hand over the money easy peasy. Fortunately you pushed back and got paid but think of all the others that don’t. That’s a ton of money that they end up saving.

@shaun5047 Ай бұрын

Btw my family also loss everything during hurricane Katrina. My mother’s house had 13ft of water. Lol Luckily for us my mom is a smooth operator. The adjuster handled my mom’s house plus my aunt’s house down the street. They quickly befriended him. Lol Both received 100k (Maybe more) checks and it definitely didn’t cost 100k to do all the repairs. My mom was so grateful she ended up gifting him a gold chain that I initially thought was my surprise bday present. 😂

@susancoulange382 Ай бұрын

@@shaun5047 The tree incident was 10+ years after Katrina. I learned my lesson from Katrina!

@deathlis Ай бұрын

@@shaun5047 From my experience, they don't. If I have a Falling Objects loss like this, I order a Windstorm Report - this comes from a 3rd party vendor and not your insurance Carrier, generally Benchmark, CoreLogic, Haag or similar. If we have a high wind event in the area on the reported date of loss, it's attributed to Windstorm. If not, then Falling Objects. Then I'd follow up to see if there are signs of rot/disease, and whether there is any written record that the neighbor was aware the tree was a risk and someone requested it be removed. That's pretty much how all of us adjusters investigate these types of losses.

@jaggillar6680 Ай бұрын

Almost identical report as your 2015 Report "The Storm After the Storm". And I feel bad that I was griping about my broker advising me not to claim a broken windshield because customers are currently being dropped by insurers for making even their first claim! Insurance reform is necessary.

@mssha1980 Ай бұрын

That’s sooo sad

@danjobe8729 Ай бұрын

Those CEOs and those people that made those changes should be held accountable for jail time

@googeliswiththegreys Ай бұрын

Been an adjuster 17 years, this has been going on for at least 15 years. Told to not put in a roof and got fired. DeSantis is the problem. They gave Slide 400 milion and the CEO put 78 million into his bank account. Patronis gave it to Bruce Lucas.

@MultiAugust10 Ай бұрын

Slide Insurance the worst been waiting for 8 months have not been responding to the law firm lawsuit

@abc123-t7o Ай бұрын

@60Minutes, are you reading your comments? This right here is your follow up story, ffs!

@reeflife2009 Ай бұрын

This is not Desantis it’s going on nationwide. You obviously didn’t watch and listen.

@Plantdetective23 Ай бұрын

@@reeflife2009Just because it’s a nationwide problem doesn’t mean Desantis doesn’t play a role in the issues mentioned in this video…

@Gilvids Ай бұрын

Such a strawman argument. For all we know its joe bidens fault for keeping the billion tax dollars suppose to be sent to Ukraine but ends up in his pocket.

@bfgivmfith Ай бұрын

I was just talking about this with one of my oldest friends over the weekend after the Hurricane. Insurance companies have never been about being there for you in my lifetime, but now? Despicable. I pay soo much for absolutely nothing, unless I can afford an attorney. God Help America.

@KevinW1985 Ай бұрын

Insurance companies have been pulling out of Florida due to homes becoming uninsurable and there's been fears of what would happen when the next major hurricane hit and now we're at the "find out" phase. There's the public Citizens Property Insurance which DeSantis has been trying to get rid of.

@katyelder.5 Ай бұрын

They need to be investigated.

@Defnotdoge Ай бұрын

That's why Warren Buffet calls it the best business ever. It's the American way

@larisa7547 Ай бұрын

@@KevinW1985that explains higher insurance premiums for the rest of the country

@wolfumz Ай бұрын

I mean this respectfully, but if you knew even the basics about climate change, you would never move to Florida. The state's population has grown since the pandemic, I have no idea why an educated person would buy property there, given the risks. You can't replace the roof on a home every five years, it's not economically feasible. So we either have to drastically change the engineering in these homes (this is a long shot), or we move out of the region. But you can't even begin to have this conversation, because half the country thinks climate change is a chinese hoax, or that it's no big deal. DeSantis famously removed all mentions of climate change from state curriculum, pretty astonishing. Conservatives will sit there while these storm surges destroy their homes, winds rip the roofs off, and the constant storms make some of the most valuable real estate in the country uninsurable. They are baffled. And they will never know, this was all predicted decades ago in the UN IPCC report. This wasn't a surprise. But instead of using the last 30 years to prepare, we instead did nothing. That's because we Republicans in power who prevented action at every turn. These Republicans and their fellow travelers, who bitterly complain that 60 minutes is biased and apparently untrustworthy, apparently didn't think the oil industry was biased, and believed their word over the scientific community. And here we are. Insurance companies lie and commit fraud, and they _still_ lose money in FL. They _still_ say they can't afford to operate in the state.

@dcoleman4444 Ай бұрын

Amd they just raised insurance! Criminals. They all should be in jail.

@MtownsGreatest Ай бұрын

Because they're mad they can't line their pockets with our free money anymore thanks to all the natural disasters we've had back to back! They actually have to pay for what we pay them to do, THEIR JOB! Nothing pisses me off more than hearing someone say insurance companies are losing money now bc of the natural disasters. Maybe they shouldn't have been lining their pockets with all our money they were being paid for several years prior to the back to back natural disasters 🤔

@rebeccatbond007 Ай бұрын

Thank you for covering this TRUTH!! 🙏🏻

@matthewsharpe4759 Ай бұрын

Insurance companies are pure EVIL

@divinewon73 Ай бұрын

@MitchellMoore-h8t Ай бұрын

El Dorado 😮there rotten and cheap and a cons insurance

@BAngel-kr2ty Ай бұрын

What about weather modification? Is that "evil"?

@digitalhippie2336 Ай бұрын

I thought putin was

@JL1009 Ай бұрын

small insurance companies like these are yeah.

@newkkl Ай бұрын

Florida legislators are up for election. Vote out the incumbents who are in the pockets of the insurance companies.

@robb5289 Ай бұрын

Exactly right but that also includes the FL Republican Governor.

@Shorty15c4007 Ай бұрын

I wouldn't hold my breath that team blue would do any better. The whole system is rigged so the insurance company wins. Come on, you really think they're gonna say no to free money just because they wear a different color tie?

@Willy-hs7uu Ай бұрын

@@robb5289 Yeah he is in their pocket, he often sells himself to the highest bidder.

@joelwillis2043 Ай бұрын

but but who will stop drag hour for children or the war on Christmas?

@kristieshaw4806 Ай бұрын

VOTE OUT ALL OF THESE POLITICIANS THAT DO NOTHING ABOUT THIS INSURANCE FRAUD!!! WE HAVE HAD ENOUGH!

@blue-vu1ek Ай бұрын

State Farm did this to me. The repair cost me $12,000 to repair. They paid me $1,700.

@tylercody1995 Ай бұрын

State Farm is the worst. Highly recommend everyone stay away from State Farm.

@conniegravelle1803 Ай бұрын

That's criminal.

@notvegan5448 Ай бұрын

@@conniegravelle1803I was told State Farm is the worst home insurance that ever existed

@annmarieknapp Ай бұрын

You need to sue them. It's your right.

@darlenelane9010 Ай бұрын

We live in the desert, no hurricanes or floods here, but State Farm (years ago) raised our rates considerably, and when asked why, they said it was because of the hurricane damage in Florida. We cancelled them!!

@jackburton2680 27 күн бұрын

60 minutes needs to be interviewing state and maybe even federal prosecutors next to inquire why no one is being arrested and charged

@doglegjake6788 Ай бұрын

I worked in the automotive industry for 40 years and you would not believe what I've seen Insurance companies do to customers cars

@greenearthblueskies8556 Ай бұрын

Why didn't u blow the whistle if u knew they were taking advantage of consumers? Interesting how people in the comments reveal how they've known about dirty dealings for years in their industries and only reveal it in the comment section of KZbin instead of revealing to the people that can make a difference and help others.

@CSCalm Ай бұрын

@@greenearthblueskies8556yup, makes them complicit

@pixality7902 Ай бұрын

@@greenearthblueskies8556I get why they don't bother. Its already kind of common knowledge they pull this fuckery and always have. If we haven't done anything about it yet, why blow up their life hoping this time is different? They could arguably do more good by continuing to work there and trying to help individuals. I say that as someone who has blown things up over corporate behavior I thought was unethical. Ultimately it didn't matter much in the grand scheme of things. I also waited to do anything about it until it was clear I was no longer having the impact I had previously. And honestly? If I was an insurance adjustor in the state of Florida, I wouldn't set myself on fire to try to help people who clearly want it this way. They choose to elect Republicans. They like deregulation when it saves them money. The only reason they'd care about this if they get personally impact or someone they like does. Why should a stranger be expected to do so much for people who clearly hate themselves and their country enough to vote for the evil people doing the most to hurt them? They are reaping what they sowed. This is the inevitable result they've been being warned about for years. They decided cutting a few corners and saving a buck was worth the risk. Until the risk was actually realized. I feel bad for the people who voted against the people in power, but only if they also go to bat with their neighbors instead of pretending such issues are just differences of opinion. Those differences of opinion are really hurting people. I have to assume they don't care if they still treat the evil neighbors doing it like pariahs. When we choose to cultivate such an individualistic society, we are choosing to create an environment where individuals are better served looking out for their own interests and its actually detrimental to individuals to do the right thing. People who want to be all individualistic for personal wealth accrual but want to be collectivist to protect their personal wealth, are revolting.

@michaelthetrent Ай бұрын

I live in MS and had a Progressive-hired adjuster come out to estimate roof damages after a hurricane and they said my roof had $518 worth of damage. The roofing company brought out their own adjuster and submitted it to Progressive saying they were very wrong. Progressive caved and wrote the check for the new roof. I can't imagine having to go to court over it. If the shoe were on the other foot, you bet the common homeowner would be charged with fraud.

@scarletteclare2667 Ай бұрын

Really don't think "caved" is the proper term. It states IN YOUR POLICY DOCUMENTS that you have a right to hire a second opinion.

@judymcdaniel5236 Ай бұрын

Do you work as an adjuster or for an insurance company?

@twinbulls1980 Ай бұрын

They’ll just raise premiums really high for the upcoming billing cycles as retribution. Insurance companies gonna get their money one way or another.

@garyeberle62 Ай бұрын

Touché

@StephenLaw-mp2jk Ай бұрын

When I lived in Florida, one hurricane ripped the roof off my new house, and the insurance company declared bankruptcy. I never got any money from them. I had to spend over $100,000 to rebuild my home. The second hurricane that hit caused around $20,000 in damage, and the state insurance policy refused to pay for the damage. That was when we decided to move out of Florida. The insurance companies in Florida are corrupt and get away with it.

@divinewon73 Ай бұрын

@StephenLaw-mp2jk Ай бұрын

@@2020Sarge LOL, that is so funny.

@kurtisbiggins4594 Ай бұрын

@@2020Sarge😂

@patriciatoomingtheplantpar2558 Ай бұрын

@@2020Sarge Man I hope that is a bad example of sarcasm. Desantis made a midnight closed door deal with insurance companies, it has been reported from the Tampa tribune and the Miami herald since he made this deal a few years back, that roofs won't be covered. Insurance companies are making good on that promise. Have you heard anything but crickets from Desantis on the insurance problems he created? No, why would you? That would stop his back door money flow. Desantis for GITMO prison!

@bigskydude8068 Ай бұрын

@@2020Sargehere we go....well you can enjoy your Democrat Eutopia, I'd still rather be in Florida...

@BionicOne Ай бұрын

When my homeowner's insurance went to $10,000 a year I started self-insuring. It took a lot of work to pay my house off early but it was well worth it.

@Amanda-c1g Ай бұрын

I think that’s what more and more people will need to do as well. In the end most will be better off. And that’s how it used to be way back when, where people just had to save money for the unexpected then times changed and insurance became a thing to give people peace of mind, sadly it is only a scam and not worth the hell in return.

@skibik3r Ай бұрын

I REALLY want to do this too. 8k insurance for an Orlando home purchased in 2009 for $120k. What do I have to show for the $35k+ in insurance payments, NOTHING. I could have 30 grand in 4 years saved away to cover most any "insurable" issue with my house! 2025 insurance will likely go up too! Good grief..

@guinealove3744 Ай бұрын

I was talking to a colleague (who is retiring in FL). Plans on buying and paying down his home and self-insuring. He started his insurance savings long ago and has been investing it. It will take some work. But he says it's much better than playing Russian Roulette with insurance premiums.

@BionicOne Ай бұрын

@@skibik3r it almost seems like it's part of some system somewhere to drain people of their money. If you bought your house in 2009, you should have gotten a pretty good deal on it at least. That's when I bought mine over here in Polk county when they were giving them away.

@skibik3r Ай бұрын

@@BionicOne seems like the insurance rates are live and based on value vs purchase price (like property tax). Zillow says 390k now. The insurance prices must really hammer people that bought at the current rates, they get triple hammered. High Property tax, high mortgage payment, and high insurance. Thankfully, we only are getting hit by one.

@jorgemontefusco650 Ай бұрын

Own a condo in Florida. Insurance premiums have gone up 600%. That’s insurance premiums went from $2000.00 a year to $12,000.00. Think about it. Try and budget that into your finances.

@leeroby3328 Ай бұрын

This has been going on for years. I was an adjuster for American Integrity 7 years ago and they changed all 30 of my estimates just like this. I am a Public Adjuster now fighting for the insureds, and what I know of the industry would make you sick. Ron Desantis sold out the citizens to the insurance companies with the laws He passed. Now, the fees to fight this come out of your pocket when you win instead of the old way where it was on top of your claim.

@divinewon73 Ай бұрын

@LearnGrowHealThrive Ай бұрын

This is happening in every state. I'm not saying Desantis is innocent by any means, I'm saying it's much, much bigger than Florida.

@KidsandKittens217 Ай бұрын

Every state needs a Governor who is a True Public Servant. And we need LOCAL Press that covers each and every law. We as Consumers need to be WATCH DOGS over this constantly, otherwise the CORRUPT person who wants to be KING will just take over.

@bryanx590 Ай бұрын

In the Netherlands the Dutch don`t carry flood insurance because the flood controls are so good.

@galenztwo Ай бұрын

@@bryanx590 Do you have Hurricanes?

@trudy285 Ай бұрын

I agree! It is a con job! And these con jobs need to be made accountable for all insurance companies that are not trustworthy!

@lovesign7882 Ай бұрын

Sorry... The best that our pathetic politicians can do is award these companies huge subsidies for doubling our premiums and scamming us, so that the other companies agree to follow their lead.

@lovesign7882 Ай бұрын

Sorry... The best that our pathetic politicians can do is award these companies huge subsidies for doubling our premiums and scamming us, so that the other companies agree to follow their lead.

@lovesign7882 Ай бұрын

Sorry... The best they can do is award these companies huge subsidies for doubling our premiums and cheating us, so that the other companies agree to follow their lead.

@crsman75 Ай бұрын

Always, Always, Always get your own adjuster!!!! Do not rely on the one the insurance company sends to you.

@Andromedon777 Ай бұрын

As a 27 year old who is going to buy a home in Florida relatively soon, comments like this legitimate help me learn new things. Thank you

@bybassman1842 Ай бұрын

These adjusters did their jobs right. Had nothing to do with the shenanigans of the insurance company.

@jorgemontefusco650 Ай бұрын

That was criminal. How do insurance companies get away with it?

@monster0_0 Ай бұрын

Prayers for the whistleblowers. Instead of supporting wasteful rich KZbinrs we need to support whistleblowers to help expose corruption 🙏🏻

@ChuckmanFilms Ай бұрын

Very very few KZbinrs can even survive on their KZbin income…just fyi

@KidsandKittens217 Ай бұрын

I'm a whistleblower. I thought people would be happy when I exposed the corruption in our local Metro Area Building Department. I spoke to the city council and exposed it. Instead I was threatened, was fired from my job, and the Building Department surveilled me and then had me arrested for having construction materials in my backyard for more than 7 days. Turns out the Laws are written to favor the contractors and give immunity to the Building Department. It's not a crime for the Contractors to cheat YOU the homeowner. It's not a crime for the Building Department to falsify inspections and approve sub-code work. But it is a crime if you, the homeowner have your own building materials in your backyard for more than 7 days. Check the laws in your area.

@kurtsmith4657 Ай бұрын

The insurance companies dont pay out on legitimant damage claims and then cry about litigation & legal fees bc homeowners and contractors have no choice but to take them to court to get the homeowners covered. The insurance companies are making more money than ever and screwing the homeowners.

@LiLDiddee Ай бұрын

Meanwhile, back at the ranch, my insurance (in Florida) has risen from $2500 per year to almost $6500 per year in just 5 years time.

@sunsetpalms1923 Ай бұрын

What did you expect from a state run by republicans?

@Wee162 Ай бұрын

Good luck if you have to file a claim

@lovelifelaugh2727 Ай бұрын

Cancel that to the bare minimum and if anything happens just get FEMA

@joeuscanga7235 Ай бұрын

Good to know which insurance company NOT TO USE.

@MeMe-dg5rv Ай бұрын

This isn't new. In 98 a tornado hit my parents home in TN. They were scared to sue because of age, and bank financing agreement. They had to " take what they could get." They underpaid them by thousands! Tree down, roof gone, rain damage, broken windows got them 7 grand! Our family members did most repairs on the home. To see my father on the roof trying to fix his own chimney when he paid his insurance faithfully, was heartbreaking.

@GhostLyricist Ай бұрын

At this point, why are we even buying insurance

@zachg9065 Ай бұрын

Exactly. If they don’t want to pay when we need it then why have it?

@MrGbustamante Ай бұрын

Its not optional if you have a bank loan on the home

@zachg9065 Ай бұрын

@@MrGbustamante right

@setcheck67 Ай бұрын

@JimAllen-Persona People need to get the thought out of their head that they will EVER see that $100,000 in the case of a loss. You MIGHT see $50,000 and PROBABLY will get $25,000. I think actually quite a few people using just investments as their original payments(say 6500/year) would actually have $25,000 self-insured. The real answer is you don't get a choice, home and auto insurance are mandatory. Turning what should be a market decision into a tax that businesses get to decide the amount of. Health insurance is also basically mandatory, because trying to pay for a single IV bag out of pocket is $100 for you and it's $2 for the insurance company.

@MrGbustamante Ай бұрын

@JimAllen-Persona I keep liability. I can do a $100k repair. It would take a big fire or a direct tornado to cause that. I overbuilt my roof, windows, garage and doors to get me in this position. Its a CBS home.

@philliphall5198 Ай бұрын

Class action lawsuits must be filed against the insurance companies asap Need to go house to house and have them join the lawsuit 😊😊😊

@KidsandKittens217 Ай бұрын

I've been going house to house for 6 years. Most homeowners care about their homes. Unfortunately the Contractors DON'T. The Insurance Companies Don't. The Government Inspectors Don't. ALWAYS WRITE ON ANY CONTRACT YOU SIGN THAT "ALL WORK MUST MEET OR EXCEED CURRENT IRC CODE."

@vickijohnson9367 Ай бұрын

Class Action and Federal criminal action, as this behavior is all over this nation.

@KidsandKittens217 Ай бұрын

@JimAllen-Persona In my city/county the Roofers profit by doing sub-code work with materials much cheaper & thinner than the minimum required by code. The Agency in charge of requiring that all roofers do the work according to code doesn't enforce it, and I've spoken to workers of more than 30 roofing companies. All the roofing companies know that the work they do will pass inspection because IT WILL NEVER BE INSPECTED. It'll just be passed! They all know this. They all know they can cheat the consumer and get away with it. The Government Agency doesn't care. The D.A.'s office doesn't care. The insurance companies don't care. If you ever have a claim, the insurance company will likely deny your claim because the work wasn't done up to code. All of them leave the homeowner holding the bag and taking the loss.

@susanallen6423 Ай бұрын

This is the way insurance companies operate.This has gone on for years. It’s absolutely criminal. We r forced to pay insurance premiums but are not allowed to expect any compensation in exchange for the policies we purchase and pay for.

@cjhardy8970 Ай бұрын

Straight up crooks, but willingly to prosecute the little guy if they file a false claim, but do nothing to them when they alter billions of dollars every year in insurance claims!

@erudolph Ай бұрын

This is happening in the state of Florida where the governor has paraded his mettle with going after Disney, but why is he weak on issues that really matter to his constituents?

@sukitttaco Ай бұрын

Because its inconvenient to him.

@stuckinflorida97 Ай бұрын

He's only concerned with protecting the insurance companies. You know, the ones that put $$ in his pocket. Sadly, the grift is real. Vote accordingly.

@Priust189 Ай бұрын

I don’t even think they offer insurance at any price in blue states like California

@Cmunic8 Ай бұрын

@@Priust189what’s a “blue” state?

@user-dc6ut5uu3t Ай бұрын

You don't live there, do you?

@cbatcba Ай бұрын

Despicable practice but they're getting away by "lobbyist work"!

@Velazquez4life-xf7ts Ай бұрын

America isnt corrupt it does allow lobbying though

@kyleegarcia5569 Ай бұрын

Yup. The one time we needed it after losing everything…they initially approved replacement of all we owned. Two weeks later, they denied our claim. Not sure what I was paying for?

@dr_920 Ай бұрын

I had the same issue with a Florida-based insurance company here in Texas when the huge hailstorm occurred in the spring of 2021. My roof was totaled, and I received the check after filing a complaint against the company through the state authority. I can confirm that insurance companies play the odds.

@NETWizzJbirk Ай бұрын

They need to track this down to who is rewriting the reports and who told them to do so, and they need to be prosecuted and incarcerated

@beautifulwithbrains3096 Ай бұрын

Falsified evidence should be a crime

@divinewon73 Ай бұрын

@missmia196 Ай бұрын

Uh huh, like the Wells Fargo scandal where no one went to jail? This is our country. Big business doesn't care.

@NETWizzJbirk Ай бұрын

@@beautifulwithbrains3096 it is a crime but nobody will prosecute it against a corporation

@spunkycat6144 Ай бұрын

Thanks for speaking out. Ethics seems to mean nothing anymore. The ones with licenses who actually read the mandatory ethics portion of the CEs or Continuing Education and are honest and the ones who get put down by the other workers. If anyone has a complaint about their insurance claim, just google Insurance Commissioner and your state. And make a report the same as your would a doctor. The state has to look into it at that point. Don't stay silent. People need to understand that they have rights.

@stuckinflorida97 Ай бұрын

Not so much in Florida. Our lawmakers protect the insurance companies.

@divinewon73 Ай бұрын

@@stuckinflorida97 The head of the OIR is the Florida Insurance Commissioner. The Commissioner is appointed by the Financial Services Commission (FSC). The FSC is comprised of the Governor, Chief Financial Officer, Attorney General, and Commissioner of Agriculture. The governor and other Republicans appoint the commissioner for insurance… They are all scratching each other‘s backs, and washing each other‘s hands while they get rich at the expense of taxpayers. Is everybody tired of paying lots of money just to get some crooks rich? Vote blue

@maxsecrest Ай бұрын

It's unfortunate that it is needed, but we REQUIRE investigative reporting like 60 minutes to call out the crimes of government and big corporations. Keep up the good work CBS!

@quartytypo Ай бұрын

Homeowners Insurance: You pay. They don't.

@LuckyDuckie115 Ай бұрын

Ron desantis gutted the state mandate to vet/audit insurance companies. They can do whatever they want in Florida now. How can Floridians vote that bozo a second time is insane. Glad I moved to South Carolina.

@bandislife2004 Ай бұрын

Exactly!!

@Raquel-op6xo Ай бұрын

Omg

@Raquel-op6xo Ай бұрын

I knew something wasn't right when he approved a cancer causing compound to be used in asphalt.

@CarrieV9 Ай бұрын

Because it’s Florida. They get what they vote for.

@MrBoggie425 Ай бұрын

Where is our Governor Ron DeSantis and all the other law makers?? Insurance is one of the things that is making it impossible to live in Florida and the governor is not doing anything about it

@nias2631 Ай бұрын

Probably a fruitless task to expect a Republican to reign in big business.

@CeruleanSky1111 Ай бұрын

...because they contribute to him and keep him in office. DeSantis doesn't care about the little guy. He only cares about his millionaire buddies, like the ones who run the insurance companies and those who want to turn our State Parks into golf courses. Floridians need to wake up!

@sherrienale9974 Ай бұрын

Maybe ole Ron has stock in the insurance there...worth looking into

@jjohnson796 Ай бұрын

Ron and the MAGA Florida legislators helped create the problem, they are not going to help fix it.

@steffiejoe Ай бұрын

Don’t they contribute millions to his campaign? He is in the insurance companies pockets.

@kimberleebrackley2793 Ай бұрын

Deepest, thanks for the honesty and integrity of the whistle blowers.

@joshua_forrest Ай бұрын

This just in, all insurance is a dirty scam. These crooks should all be sitting in prison.

@christopherfeliciano6506 Ай бұрын

Get a new governor w/ state government. There needs to be accountability. Vote.

@RS-un7zm Ай бұрын

Insurance commissioners job. Not the governor. Learn about the levels involved before spewing wrong information. 😊

@_BlueMoon Ай бұрын

Definitely up to the insurance commissioner

@Ontheroxxwithsalt Ай бұрын

They REALLY need to make people pass a simple civics exam in America before people are allowed to vote. In my 53 years on this planet I'm shocked at the marked drop in intelligence quotient. They reported the other day that for the first time in history America's IQ has collectively gone down. And I didn't need to hear it from the news station. All you have to do is interact with the younger generations.

@STho205 Ай бұрын

Hasn't changed with various party governors and legislature over decades. There's really not a dimes difference between parties, just the frosting but the same batter on the cake.

@stone5015 24 күн бұрын

YES! Complaining does no good..

@randaltotten9358 Ай бұрын

This is why the insurance companies love Ron DeSantis he is the best Governor money can buy

@jsolar3987 Ай бұрын

Totally true

@dsj9831 Ай бұрын

Lol! You think it's just Florida? ALL politicians are lobbied in ALL states.

@jeremiahcomer Ай бұрын

This is not just a Florida problem. The health insurance companies love the feds on both sides. They’re a scam too.

@g6autobot Ай бұрын

@@dsj9831But none as brazen as Texas Arizona and Florida. These idiots say the quiet part aloud and get away with it while you’re worried about books and abortion they are robbing you by making back end deals that you don’t know about. Look what was going to happen to Florida state parks. Thank you to all the whistleblowers.

@sthomas6145 Ай бұрын

@@dsj9831 True. But people still follow their party like it's not 2 sides of the same coin.

@ctrlaultdel6608 Ай бұрын

Profit is their goal. Collect premiums is the means. Payout is their struggle.

@rickybobby4546 Ай бұрын

Regarding property insurance claims, always contact a public adjuster first to represent you. Never do it through the insurer. The adjuster is paid via commission, by FL law it cannot surpass 20% of the settled amount. The adjuster representing you negotiates on your behalf to obtain the largest payout possible as their commission is dependent on the amount settled.

@sienalite6361 Ай бұрын

Adjusters do not get commission. That would be unethical. They're paid by the hour for their investigative service and reporting.

@observer3232 Ай бұрын

I believe in this report they have "public adjuster" confused with "independent adjuster" who as you mentioned are hired by the insurance carrier, to go on site, inspect, take photos and write an estimate that is sent to the insurance carrier. In addition to the fraud going on here with the insurance carrier changing the settlement, they should not be charging the homeowner the $1000 fee the independent adjuster is receiving. He's being hired in lieu of the insurance carrier not having their own field adjuster physically inspect the claim.

@lizs6216 Ай бұрын

Absolutely! I found this to be true on my last claim. My insurance’s adjuster was displeased that I hired someone who works outside of their company. It helps to level the playing field.

@guiltypleasurztv4636 Ай бұрын

@@sienalite6361 independent field adjusters can receive commisions. Pay structures vary from carrier to carrier .

@NB-mf9by Ай бұрын

Learnt something. Thanks

@SH-jw3ze Ай бұрын

Desantis is a joke of a governor not holding insurance companies accountable

@mariarobles6805 Ай бұрын

Are you surprised 😂😂😂😂

@goodpainlive Ай бұрын

They line his pockets.

@philliphall5198 Ай бұрын

I agree

@mds2465 Ай бұрын

He usually does

@karinaz8756 Ай бұрын

They are his biggest donors.

@melanieforyou Ай бұрын

This is why I have as little insurance as possible- all scams. Even car insurance can be a scam in some instances.

@nias2631 Ай бұрын

Definitely a scam.

@Thaddeus-ml8if Ай бұрын

Absolute scam.

@chasers249 Ай бұрын

Progressive did this to me with a car claim. Said they sent an agent to my apt and looked at it....( My car wasn't there it had been in the shop for a month with a blown turbo)

@melissalee2153 Ай бұрын

All insurance, banking, and finance is completely full of scam and always has been

@JDog_Unchained Ай бұрын

Insurance companies need to be held to the same standards they hold us to

@alexanderholderness5115 Ай бұрын

HRTG ticker down 17% in an hour this morning. Hopefully the market continues to take some revenge here.

@MrAlohaWildMan Ай бұрын

Unfortunately its the moms and pops who own insurance stocks and get left holding the bag- the algorithms and computers got it figured out already and the big boys dump their stock before the mass panic.

@Joe-ij6of Ай бұрын

Ah yes, one of those insurance companies that spends more money on lawyers than on carpenters. Great.

@joshuaortiz2031 Ай бұрын

They're gonna have to start spending money on private security if they keep doing this lol

@rubenlaracuente8991 Ай бұрын

THESE STORIES GET REPEATED YEAR AFTER YEAR AFTER YEAR AFTER YEAR 😂 NOTHING CHANGES 😢😢😅

@BillySBC Ай бұрын

Not in a Red Republican state is doesn't. Republicans are for anyone but the average citizen.

@1398go Ай бұрын

It’s really not that funny…..

@queen_oftheNIGHT Ай бұрын

Because no one changes 😢

@KarmaZeusBoi Ай бұрын

Yes, I remember neighbors with blue tarp roofs for a year even 20 years ago

@Makeusqueak Ай бұрын

There are too many wealthy insurance brokers working in the legislature.

@joandick8558 Ай бұрын

As a Floridian this message reflect what too many of us has experienced. Some of us are still suffering from the fraud, yet paying double as the rates have increased. Desk adjusters are just picking a number and threatening cancelation, regardless of homeowner payments.

@countrystix Ай бұрын

If American Insurance Companies do not do what we pay for, why have them? All insurance needs to be abolished and started over properly.

@elabuterin7150 Ай бұрын

And who is going to decide what is PROPER? Republicans want to abolish every government agency and have companies SELF REGULATE! What can go wrong?

@divinewon73 Ай бұрын

@Kevin-tn5rr Ай бұрын

It's a rigged game

@UncleDavesKitchen Ай бұрын

The homeowner needs to get a copy of the field adjustors reports too, along with going to the insurance.

@vickijohnson9367 Ай бұрын

U.S. citizens need to give capitalism and governments a comeuppance of biblical proportions.

@stephenbowden4766 Ай бұрын

Those criminals in the insurance industry should get life in prison

@stone5015 24 күн бұрын

Hey, don't forget the politicians. Their just as much to blame, they protect the insurance companies.

@maranathaschraag5757 Ай бұрын

there should be a law where the home owner gets the original report from the adjuster and has to agree to the damage in it before it's submitted. or something like that. something to improve the transparency and protect home owners.

@bythesea760 Ай бұрын

What are the names of the insurance companies?

@ThePensacolaRealtor Ай бұрын

Herritage was one

@kamuelalee Ай бұрын

Yeah, they named one called Heritage Insurance based in Tampa, Fla.

@sandrawarner4981 Ай бұрын

What about Florida Peninsular, who took over policies from Citizens and doubled the premium before there was even a hurricane!

@tonyc223 Ай бұрын

State farm raised my homeowners 240 a year, live in the mid west no flood.

@26longlongtime Ай бұрын

A tornado hit my town in texas. Basically the bigger the company, the harder it was for the homeowner to get paid. There was a really small company that couldn't cover a claim and went out of business

@Jigagots Ай бұрын

Imagine insurance companies actually helping their clients..

@MtownsGreatest Ай бұрын

Right? Like actually doing their job that we pay them to do....

@beautifulwithbrains3096 Ай бұрын

Can you get your own copy from the adjuster report. So the homeowner has the complete report. Then maybe get an attorney

@teresaburgess9457 Ай бұрын

I was thinking the same thing.

@joywolf83 Ай бұрын

@@teresaburgess9457you can but as shown..... the report is modified

@bonitabragg1253 Ай бұрын

My old landlord had whole front section of her house demolished in hurricane. She had roof leak and water came into kitchen area. She was told to get home back as it was, she would need to hire engineer!!! She recieved 700. The only thing she repaired was roof and water damage. Absolutely horrible. My heart goes out to people that lost everything and get 750.That doesn't cover anything!!