Florida insurance carriers used altered hurricane damage reports, whistleblowers say

[@nias2631]

Insurance companies only ensure you pay them every month.

[@chuckxu5910]

Florida is a great red state 🇺🇸

[@PNW_Sportbike_Life]

Ensurance companies?

[@sassyd8738]

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]

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

[@susannpatton2893]

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

[@carbonforms]

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

[@YM-wj2dr]

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]

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

[@shwnshts9469]

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

[@jill6979]

100%

[@scottcates]

capitalism

[@bulkvanderhuge9006]

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

[@Shelley-j2y]

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]

Unless you’re illegal

[@SaraGrant-xj4lr]

​@@caroleelder4836Careful , your racism is showing.

[@AlanRipman]

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]

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

[@YouCantSuspendMe]

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

[@oldmoviesinbwwithsubtitles3501]

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

[@CamCapollo]

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]

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

[@patriciatoomingtheplantpar2558]

​@@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]

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]

@@RS-un7zmEXACTLY WHAT I WAS TOLD!

[@Star-u3t1l]

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

[@Omikoshi78]

@@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]

Prison actually.

[@patriciatoomingtheplantpar2558]

We should start with Desantis he made this arrangement

[@LilNewtGingrich]

And the managers who oversaw it.

[@christineromannoodles9616]

🙏🙏🙏

[@mahoser64]

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

[@MDAdams72668]

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]

@@MDAdams72668Desk jockey. Lol. Actuarial accountants?

[@BamBam_BamBam_]

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

[@001USA001]

👏🏼👏🏼😃👍🏼

[@debradiane3929]

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.

[@BushyTop08]

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

[@BluefootDStank]

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

[@jamesramsey9172]

Insurance is legalized extortion.

[@638g]

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

[@Kevin-tn5rr]

A license to steal

[@CarpeUniversum]

And always has been.

[@tommydong8070]

Scam.

[@ArthurDentZaphodBeeb]

Nonsense. Don't buy it then.

[@Michael-rx6ji]

Isn't this insurance fraud by the insurance company?

[@meritamity]

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

[@nullnullnullvoid]

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

[@IBumpg]

Insurance IS fraud.

[@ADRIFTHIPHOP]

nah business as usual

[@amazinggrace313]

Yes, yes it is

[@BBzzzz667]

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

[@tjodogify]

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]

Still live there?

[@garufia]

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]

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

[@Benglator1]

@@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?

[@randallsmerna384]

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

[@jondoe406]

That's the entire business model of insurance companies

[@charlenemack7040]

Thank God for whistleblowers.

[@sdsudjrtz]

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]

AMEN

[@judymcdaniel5236]

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

[@dianapodrovitz3067]

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

[@sdsudjrtz]

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

[@IsaDesOsiers]

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]

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]

they only cover it because its hot and in their interest

[@paulkelly7784]

Too many people worried about kamala harris laugh.

[@nullnullnullvoid]

it wont be fixed, its working as intended

[@inthedarkwoods2022]

Do you think they read these comments Einstein?

[@bartosullivan8050]

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]

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]

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

[@Sarcastic_Asmodeus]

Buying golf courses.

[@SquirminHermanthe1eyedGerman]

they ARE in on the scam

[@faurest8929]

Drinking at Mara Lago

[@johnnyleopard2668]

This is outrageous. Excellent reporting

[@HelloWorld-hb7yt]

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

[@8325A]

100% true!

[@Senorzilchnzero]

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]

Biggest racketeers ever

[@allover9792]

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

[@RidingWithBobby]

🎯

[@biglou9776]

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

[@tw8464]

Exactly!

[@Swaggmire215]

And i have geico😬😬😬

[@dimplepatelpharmd.3176]

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

[@robingalbraith323]

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]

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.

[@mcduvall2000]

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]

Facts

[@nessajenean8705]

Facts

[@vivica8207]

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]

Exactly 💯

[@DR-um2bv]

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

[@HazelnutPretzel]

Thank you for covering this for people

[@gybzen]

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]

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

[@lulumoon6942]

Just gave this analogy to someone earlier today!

[@theproudsoutherner587]

Perfect analogy

[@TheActualLiz]

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

[@MtownsGreatest]

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

[@gokaren420]

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

[@barbaraellis6637]

And it happens every day 🤬

[@carolstrasburger7611]

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

[@Cerceify4645]

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]

It’s beyond that. It’s illegal.

[@CSCalm]

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

[@semperfi1833]

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.

[@DarkPesco]

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

[@lesskinner8588]

. . . and then fire the honest adjuster.

[@mrl_5634]

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]

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

[@jamiehovis7722]

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

[@Brucelee89896]

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]

​@@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]

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.

[@dontmatter966]

This is by definition fraud

[@inthedarkwoods2022]

So...

[@eyes2c..519]

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

[@angieatvegas]

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]

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

[@privatecaller1418]

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

[@privatecaller1418]

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

[@privatecaller1418]

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

[@davidshah06]

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

[@nias2631]

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

[@katyelder.5]

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

[@rvninnorthcarolina3377]

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

[@jessjess23brooks89]

​@@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.

[@MultiAugust10]

FACTS Total TRUTH

[@newkkl]

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

[@robb5289]

Exactly right but that also includes the FL Republican Governor.

[@Shorty15c4007]

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]

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

[@joelwillis2043]

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

[@kristieshaw4806]

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

[@YaknTackle]

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

[@patl.4170]

And fined!

[@sandrastoel4257]

Apparwntly, only the innocent go to jail.

[@jackburton2680]

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

[@susieq5270]

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

[@KidsandKittens217]

That's right!

[@malachi-]

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]

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

[@vickijohnson9367]

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

[@theamused8705]

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

[@M00NdaYn]

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

[@matthewsharpe4759]

Insurance companies are pure EVIL

[@divinewon73]

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!

[@MitchellMoore-h8t]

El Dorado 😮there rotten and cheap and a cons insurance

[@BAngel-kr2ty]

What about weather modification? Is that "evil"?

[@digitalhippie2336]

I thought putin was

[@JL1009]

small insurance companies like these are yeah.

[@Ksnamaste]

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

[@exquizit_d]

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]

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]

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

[@sunfollower5623]

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

[@blessed7fold]

​@@sunfollower5623Wrong!

[@Hannahsunshine-]

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

[@ruthdanielson919]

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]

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!

[@leeroby3328]

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]

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!

[@LearnGrowHealThrive]

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]

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]

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

[@galenztwo]

@@bryanx590 Do you have Hurricanes?

[@SpiritualDivine]

Hopefully NC & TN are taking note!

[@googeliswiththegreys]

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]

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

[@abc123-t7o]

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

[@reeflife2009]

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

[@Plantdetective23]

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

[@Gilvids]

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.

[@dcoleman4444]

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

[@MtownsGreatest]

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 🤔

[@blyat4842]

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

[@divinewon73]

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!

[@lovesign7882]

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]

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

[@lovesign7882]

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]

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.

[@rebeccatbond007]

Thank you for covering this TRUTH!! 🙏🏻

[@trudy285]

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]

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]

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]

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.

[@lalamotolady]

Bless these folks for standing up and speaking out!

[@tweedledee3872]

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]

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

[@anaibarangan4908]

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

[@Cahluvca]

That is disgusting....

[@brianfl33916]

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]

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

[@nelsonmachado7680]

The solution is to end this industry of criminals that are these insurance companies, how? By building concrete houses with hurricane-proof concrete roofs, the problem is solved. A wooden house in a place where there is a Hurricane is pure stupidity.

[@susancoulange382]

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]

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

[@shaun5047]

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]

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]

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

[@deathlis]

@@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]

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]

That’s sooo sad

[@StephenLaw-mp2jk]

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]

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!

[@StephenLaw-mp2jk]

@@2020Sarge LOL, that is so funny.

[@kurtisbiggins4594]

​@@2020Sarge😂

[@patriciatoomingtheplantpar2558]

​@@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]

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

[@spunkycat6144]

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

[@leaannadavis1959]

Yep Those names are in their database guaranteed.

[@kimberleebrackley2793]

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

[@bfgivmfith]

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]

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]

They need to be investigated.

[@Defnotdoge]

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

[@larisa7547]

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

[@wolfumz]

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.

[@doglegjake6788]

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]

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]

@@greenearthblueskies8556yup, makes them complicit

[@pixality7902]

​​@@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]

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]

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]

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

[@twinbulls1980]

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]

Touché

[@Elliott_Wave]

They have set policies percentages of how much they are going to pay out, like 15% etc, Warren Buffets Insurance company has a policy of simply not paying out, according to KZbinr that covers these topics.

[@kurtsmith4657]

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.

[@NETWizzJbirk]

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]

Falsified evidence should be a crime

[@divinewon73]

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!

[@missmia196]

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

[@NETWizzJbirk]

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

[@BionicOne]

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]

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]

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]

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]

@@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]

@@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]

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

[@crsman75]

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

[@Andromedon777]

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]

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

[@monster0_0]

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

[@ChuckmanFilms]

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

[@KidsandKittens217]

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.

[@erudolph]

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]

Because its inconvenient to him.

[@stuckinflorida97]

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]

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

[@Cmunic8]

@@Priust189what’s a “blue” state?

[@user-dc6ut5uu3t]

You don't live there, do you?

[@kyleegarcia5569]

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?

[@cjhardy8970]

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!

[@MrBoggie425]

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]

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

[@CeruleanSky1111]

...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]

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

[@jjohnson796]

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

[@steffiejoe]

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

[@blue-vu1ek]

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

[@tylercody1995]

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

[@conniegravelle1803]

That's criminal.

[@notvegan5448]

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

[@annmarieknapp]

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

[@darlenelane9010]

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!!

[@Girth_Brooks86]

Hit by tornado in Iowa in April this year. State Farm said damage to house totaled $13k. My attached garage is pushed off the foundation. They say it was do to pre existing erosion and they’re not paying.

[@cbatcba]

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

[@Velazquez4life-xf7ts]

America isnt corrupt it does allow lobbying though

[@LuckyDuckie115]

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]

Exactly!!

[@Raquel-op6xo]

Omg

[@Raquel-op6xo]

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

[@CarrieV9]

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

[@shipdit8421]

The insurers have DeSantis bought and paid for, they aren't worried

[@dsj9831]

They have ALL politicians bought and paid for. It's not just a Florida thing.

[@la7era1u54]

@@dsj9831 Exactly, it's a Republican thing

[@amourflower9893]

Stop vote for these folks

[@donald2665]

@@la7era1u54 Bit of TDS there Friendo? It just might be a Blue Fascist Thing also. There is blame for all, Republicans and Democrats and Independents, Religious and Atheist, Marxist or Capitalist.

[@georgbot6966]

When FL had a Democratic governor he chased out all the major carriers-what a disaster! Thank god we have a real governor. Go back up north

[@jorgemontefusco650]

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.

[@quartytypo]

Homeowners Insurance: You pay. They don't.

[@joshua_forrest]

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

[@melanieforyou]

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

[@nias2631]

Definitely a scam.

[@Thaddeus-ml8if]

Absolute scam.

[@melissalee2153]

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

[@BobSchofield-el4hj]

Do not usually watch anything that comes from CBS..except for 60 minutes out of respect for my late father and grandfather who loved the show...this was excellent

[@LiLDiddee]

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]

What did you expect from a state run by republicans?

[@Wee162]

Good luck if you have to file a claim

[@lovelifelaugh2727]

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

[@MeMe-dg5rv]

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.

[@philliphall5198]

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

[@KidsandKittens217]

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]

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

[@KidsandKittens217]

​@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.

[@lafq]

My home in Miami is currently uninsured because I’m having the same issue with AllState

[@GhostLyricist]

At this point, why are we even buying insurance

[@zachg9065]

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

[@MrGbustamante]

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

[@zachg9065]

@@MrGbustamante right

[@setcheck67]

@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]

@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.

[@randaltotten9358]

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

[@jsolar3987]

Totally true

[@dsj9831]

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

[@jeremiahcomer]

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

[@g6autobot]

@@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]

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

[@SH-jw3ze]

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

[@mariarobles6805]

Are you surprised 😂😂😂😂

[@goodpainlive]

They line his pockets.

[@philliphall5198]

I agree

[@mds2465]

He usually does

[@karinaz8756]

They are his biggest donors.

[@joeuscanga7235]

Good to know which insurance company NOT TO USE.

[@dr_920]

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.

[@spunkycat6144]

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]

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

[@divinewon73]

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

[@divinewon73]

@@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

[@rickybobby4546]

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]

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

[@observer3232]

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]

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]

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

[@NB-mf9by]

Learnt something. Thanks

[@Apoplexy1000]

If you are a homeowner and you don’t have home insurance coverage your home might be devastated by a major storm with no recourse If you are a homeowner and you have home insurance coverage you will certainly be devastated by your insurance company after a major storm, with no recourse.

[@christopherfeliciano6506]

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

[@RS-un7zm]

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

[@_BlueMoon]

Definitely up to the insurance commissioner

[@Ontheroxxwithsalt]

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]

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]

YES! Complaining does no good..

[@rubenlaracuente8991]

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

[@BillySBC]

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

[@1398go]

It’s really not that funny…..

[@queen_oftheNIGHT]

Because no one changes 😢

[@KarmaZeusBoi]

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

[@Makeusqueak]

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

[@DGRAHAM4]

Insurance lobbies run the state of Florida hence why the state won't do anything about what is happening with these insurance companies.

[@dsj9831]

Lol! They lobby every politician in EVERY state.

[@stone5015]

They won't but you can. Vote the Republicans out of office.

[@jimmyvee8024]

It's not just insurance companies that playing the odds that the client or victim will not seek legal representation it's any big business that one deals with, banks, insurance, your town assessor's office your employer......

[@stone5015]

Oh so true.

[@Joe-ij6of]

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

[@joshuaortiz2031]

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

[@stephenbowden4766]

Those criminals in the insurance industry should get life in prison

[@stone5015]

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

[@countrystix]

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]

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]

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.

[@Kevin-tn5rr]

It's a rigged game

[@Ixodes492]

Jesus. I just watched the 60 min report on superstorm sandy where the EXACT same thing happened. How do we allow this? What is wrong with us? It has nothing to do with right or left …NY vs Florida made no difference.

[@SaltShaker2025]

Florida is tired of the insurance companies scamming us!

[@carlbrutananadilewski8395]

Then stop voting for DeSantis

[@tracybrinson3415]

Kamala Harris and the Democrat Will be more likely to help in this situation and the Republicans who are already trying to take your rights away from you I know they’re not perfect, but the Democrats will be more likely to help the average person 10:29

[@SaltShaker2025]

@@carlbrutananadilewski8395 I’m interested in learning how DeSantis is responsible?

[@stone5015]

Then vote those Republicans out of office.

[@tracybrinson3415]

@@stone5015 that’s one of the best solutions I’ve ever heard and probably the only one that will work…

[@kamuelalee]

Insurance and insurance companies are the biggest rackets in the history of the planet. That's all I have to say 😎

[@georgedreher2322]

The biggest racket is our Federal Government and the Politicians which spend taxpayer money we don't have.

[@RS-un7zm]

What about big pharma? Make you sick and keep you sick to keep a customer for life.

[@waitaminute2015]

Go to any capital city in the poorest countries and the tallest building is always an insurance company. People have always known they lie, but we've become accustomed to it.

[@alexanderholderness5115]

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

[@MrAlohaWildMan]

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.

[@Scotty8882hotty]

Banks do this same kind of stuff, I was a real estate appraiser for awhile and it was so shady, the banks would tell us what they wanted the house valued at to make their loan.