Insurance company cancels San Diego church's policy based on satellite images
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- Опубліковано 26 вер 2024
- Images of a Southeast San Diego church’s roof are what an insurance company says it used to drop the church’s policy after more than a decade of the church making payments.
Sidney Buggs is the pastor at Greater Gospel Center Church of God in Christ. He was stunned when his insurance company GuideOne dropped the church’s policy because it said a satellite image showed wear and tear and broken shingles on the roof.
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Insurance companies hire complete morons to inspect properties. A couple years ago my insurance company threatened to cancel me saying I had a high powered electrical cable laying on the ground on the walkway between my house and the neighbours. I ask them to show me were the cables are. They sent me the pictures they took. It was my bright green garden hose ! !
A high powered electrical cable that’s attached to a spigot? Real geniuses there.
It’s called AI photographic review.
Yeah I went through that same kind of bs with my townships code enforcement. They said I had an electrical hazard. The code enforcement bitch tried to tell me that I couldn't run a cord from the receptacle on the side of my garage, to the block heater on my diesel pickup. It was at most 15 feet long. And it was a ground fault receptacle with the plastic bubble cap to protect the cord. Everything totally code compliant. I had to go to court to fight it.
No not morons just completely corrupt individuals who can easily be bought and paid off just like politicians.
So tell me just how not renewing customers is a moneymaking " scam "
Ten years ago my former homeowner's insurance drastically increased the premiums stating that the house was over 1,000 feet from a fire hydrant. I assured them that neither the house nor the hydrant had moved in 30-years. We now get our home and auto insurance elsewhere.
Yeah, we got rates raised because we were suddenly in a flood plain... from a ditch 70 yards away from the house, down a hill in a broad gentle depression. In order for the water level to reach the house, the ditch would need to be flooded to form a flow channel over 130 yards in width and 20' deep. In the last 100 years, it's never come close to a tenth of that elevation. The watershed is small enough that if the water were high enough to reach the house on the hill, most of the watershed would necessarily be underwater. This is the headwater of a small river. It's as absurd as worrying about the side of a mountain becoming inundated because it sometimes happens to areas miles down the slope.
Physics don't matter. They see a satellite photo, make some unsubstantiated handwaving about "important duties in the face of climate change", and they double your bill because they can.
Wouldn’t it be GOOD to have a house near a fire hydrant?
@@joeybulford5266 Our house is within 400 feet of a fire hydrant. The insurance company used satellite images and the trees obscured most of the driveway and the hydrant. They refused to come out in person.
@@PSUQDPICHQIEIWC Hilarious they cite "climate change." Insurance companies don't do jack for climate change and donate the max to the grand oil party who denies reality about it. If only hypocrisy was punishable by law. Or if people still had shame.
@@joeybulford5266Thats the point. The insurance rates were raised because the house was considered too far away from a hydrant.
Insurance companies should be held liable for blatant lying in an attempt to worm their way out of a contract.
The contract for insurance is over, look at time 100. The insurance co did their part for the term and isn't renewing, big difference than canceling mid term.
They did not worm thier way out of a contract. They did not renew it.
@@neilkurzman4907 Pretense for nonrenewal based on a satellite image analyzed by some Artificial Idiot.
They should have to pay double for any claim they initially deny.
@@SamBrickell
They didn’t deny a claim they decided that it wasn’t in their financial best interest to ensure the property.
As far as your ideas to punish insurance companies. Florida tried that they left the state. Then you don’t have any insurance companies. you can’t force businesses to lose money.
The company was just looking for an excuse, ANY excuse.
they don't need an excuse. they have no obligation to sell the church a policy.
They knew the roof was coming due for replacement and didn’t want to pay for something that they’re paid to cover. It’s like if health insurance companies dropped people for having too many wrinkles.
@@James-to7pi The insurance company should have paid to have it replaced then.
@@evilsharkey8954 The insurance company doesn't replace roofs when they wear out. The loss has to be both "sudden and accidental" like a fire or hail storm. When you don't know what your talking about, your best option is to remain silent.
@@lakeguy65616 Many insurance companies do cover roofs. My best friend just had hers replaced and covered by insurance, as have other people in the comments.
If you don’t know what you’re talking about, just stay silent.
Yeah, my homeowners was canceled because I used it once because of a sewage back-up in the basement. I guess you're just supposed to keep making the payments for 23 years and not ever use it. I paid them at least 10 times the amount we ever collected through the years. What a scam insurance is.
Pretty much standard practice. Once you make a claim they drop you, and another insurance company will charge higher premiums. That’s why I’m tired of hearing about them losing money.
Maybe stop paying your CEOS millions per year for salary.
@@madjack8893
Personally I think we ought to find where these Insurance executive fuckers live.
@@madjack8893 States are not pursuing insurance fraud and that is costing the insurance companies billions a year. Their CEO wages are too high but that wouldn't put a dent in their overall loses.
@@MtuckerGoBlueit's up to the insurance company to pursue insurance fraud 🤔 unless you live in a common wealth
Maybe, but if your house burns down, is destroyed by a tornado, or a kid gets a broken spine after falling out of a tree on YOUR property and you get sued for $5 million, you will be happy you had insurance!
Why did they sell 30 year shingles, which are guaranteed for 30 years when the insurance companies make you replace them at 20 years?
..... So they could sell more shingles?
Not every shingle is a 30-year shingle. There are all kinds of grades of asphalt shingles. Maybe I missed the part where the pastor said these were 30 year shingles? I guess if they were, the pastor would be making a claim against the shingle company.
@@johnsimion2893
In Florida you need to replace your roof every 15 to 20 years due to all the fraud the insurance law caused
good question! The reason is that while the shingle may be able to last that long, the plywood and moisture barriers they use don’t last that long.
I just replaced 25 years shingles after 35 years. There were no leaks or missing shingles, it just seemed like the right time.
Insurance and banks could be colluding to foreclose on properties. All mortgaged properties must have insurance, if insurance is cancelled the bank can cite you as being in breach of your mortgage conditions and legally foreclose. Making insurance unaffordable is just as bad, the "bigs" could be trying to force the people into renting.
I'm not one for conspiracies, but its not that far-fetched.
EXACTLY
Sounds very jewish, it wouldn't surprise me
@@DuneJumper You mean, those who are non Jewish are inherently more honest? You sound racist.
Mind blown!
Why does the newscast keep showing the roof in its demolition stage? The whole point is the insurance company cancelling what appeared to be a very good roof.
The most logical answer is because the roof was old and no other insurance company would insure it either. 40% of insurance claim money is paid out for roof damage and old roofs are much more likely to fail in high winds and downpours than newer ones. If you have not shopped for insurance lately, some of the first questions are "How old is the roof" and "What kind of roof do you have?" In my market, if it is over 10 years old, they will not replace the roof, they will only repair damages necessary to keep the roof from leaking, and they will only do that if the roof is considered to have some lifetime left in it.
because that is what the roof was like when they showed up to do a news recording?
@@shenmisheshou7002 You missed the OP's point completely.
@@shenmisheshou7002This. It’s just like car insurance. You could have a brand new car. Kept it in tip top condition. 10-20 years old, but still good as new. Something happens, you file a claim, and they don’t want to reimburse you. They want to total out your car and give you a check for $1000, even though you can’t even get a running car, let alone anything close to the condition your vehicle was previously in because they don’t believe something that old has value. Yet you had been paying THEM for years, even decades, to insure this car. They could fix it, and still profit off you, but they won’t, because it’s old. You don’t get a new car, or even a newer car, simply because something bad happened to your perfectly good old one.
@@UmmYeahOk”tip top condition” means rusting and falling apart here.
All I see are variations of dye lots in individual packs of shingles. These people got screwed.
You see variations of Dye lots in a 20-year-old roof
Maybe dye lots, or were there repairs done to the roof and its the contrast between new and old shingles? Either way it looks like a solid roof to me unless I could see it in person (which the insurance company should have done if it was questionable).
The picture is pixelated during the printing process, a higher rez one is available.
@@bobroberts2371 😂 Bob here definitely works for the insurance company.
@@bobroberts2371LOL No, there isn't a higher resolution image available.
They just did this to my neighbor she put a new roof and they still cancelled her policy.
Insurance companies are evil and should be banned.
Welcome to INSURANCE companies. They are not in the business of insuring you, they are in the business of insuring they take your money is all.
False. But then again, they don't like being swindled and the roofing swindle is very common.
@@tonyburzio4107The roof is old, and they didn’t want to pay for a replacement, which is their job. They can easily send a notice requiring he get a roofer pre-approved to replace it rather than drop him, but they don’t want to cover it, at all. They took his money and ran.
@@tonyburzio4107 in this case, the insurer collected premiums for years, making a tidy profit. There's definitely something odd going on. Usual approach is to raise the premiums, but offer a discount if the insured addresses the issue. Canceling a good client like this indicates deeply flawed management at the company. I would recommend their current customers find another carrier before they end up finding the insurer can't or won't cover a loss.
@@evilsharkey8954 insurance generally doesn't cover something wearing out from normal wear and tear. Asphalt roofs need to be replaced after 20 years or so. But canceling the policy is strange. Did the church reject a previous request to address the situation?
@@christopherjahn2044 I know several people who’ve had roof replacements fully covered, sometimes even including gutters. It’s cheaper than repairing water damage.
Even though they agreed to replace the entire roof the insurance company still cancelled the policy and refused to renew it - the "new" insurance company just happened to charge 4 times the previous price since this is a new policy and not a renewal - this is in California and since insurers cannot just quadruple existing policies overnight without massive complaints to the California Insurance Commissioner they are looking for any reason to revoke existing insurance so the owner is forced to look for a "new" insurance company and a "new" insurance policy - IMHO if you followed the money you would end up at the root of the same tree
So California doesn't let insurance companies increase rates with policy renewals?
They did the same thing to me (different company, The Hartford) with my house. They basically stated that since the roof was more than 10 years old they would no longer insure me. No warning, just a letter like that saying that what's done is done, suck it. The insurance industry has become a criminal enterprise.
Them doing that is a bummer, but it’s not a crime. They are a business and can choose not to do business with someone (for the most part).
I’ve been non-renewed by State Farm before for non-sense. It was a bummer and I pulled my other lines of business away from them for it, but that is their prerogative.
What do you mean "has become" it has ALWAYS been scummy and a bit of a scam. They are there to sell you an idea but will fight tooth and nail to Never pay you out or give you as little as physically possible and this is any and all types of insurance.
jokes on them once everyone stops getting their insurance and they get no income. we're on the verge of another great depression soon nobody will be able to afford it anyways.
@@Tetracera. If you have a mortgage, you have to have insurance.
Has become? What is it with this magical thinking that the olden times were the best times?
Insurance is a scam. This is disgraceful.
So are tax exemptions for magic sky fairies
@@Bonjour-Worldas I agree, MY country is being destroyed from the lack of belief!!!!
My home owners insurance went up 1,000/month over the last three years. I had a 4 point inspection done, replaced the 15 year old roof, replaced a breaker at the indoor breaker panel, repaired a connection in the outdoor meter panel, replaced the missing ground clamp at the outdoor meter box and extended the pipe on the water heater blow off valve and it erased that 1k/month, and actually ended up a few dollars less than when I bought my house in 2002. The insurance company knew nothing of any of this before raising my rates. They just raised them, them used excuses when I called them out. That's when they said "You need a 4 point inspection, because we have new rules in place."
I agree. it is a scam. Insurance across the board is a scam, and politicians let them get away with it, even writing legislation to protect them and screw the consumer.
@@Bonjour-World I would agree, if only your comment was true. God and his creation, has historical records, scientific proof, and archaeological evidence. What do you have , as your evidence?
@@saved217 camel dung
2:23 They aren't "81% confident in the shingles." They have a machine learning model that infers the shingle type from the image. The model is 81% confident that the shingles are made of asphalt.
That's some intelligent journalism right there.
Machine learning has judgement error weaknesses, sue the insurer
That was so funny when I saw that part of the video lol 81% confidence in the shingles
Pls don't expect all journalists are smart.
That doesn't even make sense. They can test the material with GMS and show that it's definitely made of asphalt. What's the 19 percent unconfidence?
And I’ll bet you can’t get an in person inspection. 😖
Gen Z claim adjusters......full time gamer, part time claims adjuster....
They would have to pay someone to come out and do an in person evaluation. Hence increasing rate further...
@@Kamala_sux Increased Rate 🤔....for a better or accurate assessment....old school, want to see a roofing company foreman on the roof with pictures 📸 and assessment report....Insurance is like a casino 🎰, the house 🏠 doesn't loss
You absolutely can, but YOU have to pay for it.
Blame the roofing scams. Same thing happened in Florida until legislation was passed. People with a 20 year old roof might experience a hurricane and some shingles fly off. Roofing companies would drive through the neighborhood promising "no-cost" roof replacement. All this meant was the roofing company would threaten to sue your Homeowner's Insurance if they didn't cover the roof replacement cost after a hurricane. Initially the insurance companies caved, because it's cheaper to cover a roof than go through a trial. Now they just drop you.
That is outrageous. A random roofing company, can use an insurance company to force them to cover your roof for shingle damage?
@@katherinelangford981 hahaha
The insurance companies were blaming "roofing scams" for the high price of insurance, and several media outlets fell for it. While the scam was real, it was only a small part of the reason behind soaring costs. What nobody talks about is insurance companies are notoriously bad investors. So are pension funds, but I digress. You have all this premium money coming in that needs to be "put to work" in the markets and bad decisions get made left and right. Guess who covers *those* losses?
That’s Florida for you! Messing everything up for everybody!
My neighbor run roofing and siding repair company; free inspections are offered. It same thing as finding out you have damaged bumper on you car, body shop does the initial report, insurance approval is needed to get money for repairs. Lawyers look at what is covered under the policy and go from there.
The biggest issue with free inspection is the inspectors making your roof “qualify” for the damages with screwdriver when it didn’t qualify at the inspection 🤣
My parents insurer tried to cancel their policy based on their roof saying it looked old and worn...
Its a cement shingle roof, regularly cleaned, bit theh do tend to grow moss. They tried to say it was an old roof covered in damaged tiles.
Government needs to stop company's doing this! There's needs to be proper inspections before a insurance company can cancel someone's insurance!
Our government is a huge part of our problem!
Nope, that would drag them into court, the source of the swindle.
@@tonyburzio4107There are other ways around it, like recommending the owner get the roof replaced due to the age and requiring pre-approval for a roofing company and their price quote.
But but but government oversight is COMMUNISM!!!
Are you a Commie or a Socialist. LOL. Everyone wants government to control insurance, and guess what.. EVERY state in the US has a state insurance commission and insurance companies are one of the most regulated businesses there are. Look at Florida because it is the future you will soon live. If insurance companies face too much risk, they simply stop writing insurance policies. The cost of insurance in Florida is getting so high that property values are falling because people don't want to pay $30K a year.
What a load of crap. They basically know the roof is old so they cancelled before having to pay out. It basically a bookie seeing you’re going to win a bet at the two minute warning so he cancels the bet before you collect.
Not just cancels your bet, but keeps it too
Contact the California insurance commissioner
Also file a report with the State Attorney Generals Office. If a company is abusing consumers it can be prevented from doing business in the state. License revoked.
Insurance companies bought the California insurance commissioner.
@@redbarchetta8782 No doubts about it, that's disgusting!
Pfffft. California government?
@@JeffSherlock The politicians in California can't "govern" for 💩
No point in buying insurance from insurance companies who so easily cancel your policy. Anybody would be further ahead by saving that money in an account for just such occurrences.
They are in backdoor deals with roofing companies.
Care to explain how not renewing insurance policies is a moneymaking strategy for insurance companies?
@@bobroberts2371basically the risk benefit ratio of operating in California has made a lot of companies want to stop having policies in the state. They can’t charge enough to reduce their risk. By not renewing they are that much closer to getting out of the state. Our car insurance (liberty mutual) kept raising our premiums s lot even though nothing claims or tickets etc. when my husband called the agent admitted they were trying to not do business in Arizona anymore. We have too many uninsured drivers and a lot of bad driving like running red lights.
Not everything is a conspiracy. The simple fact here is that insurance companies are desperate to drop high risk customers, because they've been losing so much money in recent years.
Our church in rural Arizona was dropped as a wilfire hazed. It's a metal building surrounded by gravel. The entire property is well groomed and has several retired wildland firefighters attending there. Apparently, it had something to do with the catastrophic wildfires in California. The blessing was the new insurance company that we joined, saved us money, and had better coverage
Like in Florida, insurance companies have determined that the state of California is a high risk state (in particular due to wildfires and earthquakes) and are seeking to reduce their financial exposure by any means necessary. Some are pulling out the state entirely. The insurance commissioner has attempted to lure them back but the companies, for the most part, aren't biting.
They're going to have to be forced back in eventually
There needs to be laws to make it harder for these crooks to steal your money.
Congress needs to be proactive about protecting consumers from these greedy insurance companies. With all the damage from disasters lately, I fear these companies will raise rates to unaffordable levels and/or continue to stop writing policies in certain areas.
The first step is for you to open an insurance co and do a better job.
Congress is made up of lobbyists of insurance companies who guarantee this behaviour remains legal.
@@bobroberts2371 another dumbass take from you in these comments Bob you are not cooking buddy
Does the insurance company own a roofing company, or get a kick-back from one? Why is the new insurance 4x more when the church is getting a new roof? Something is not right!
I wonder if it was a cut-rate insurance company (perhaps the insurer of choice for congregations like this one that are always operating on a shoestring), that operates on a shoestring itself, and ran into a cash flow crunch when a couple of churches filed claims at the same time a couple of other churches couldn't pay their premium. They may have decided to improve their margins by shedding a few of the ones that were paying the lowest premiums, but instead of saying something more transparent like, "Our underwriting standards have changed, so we will no longer be insuring properties like yours," they came up with excuses to cancel the policies instead.
I think having a policy cancelation puts someone and organizations in a higher risk category.
Because after replacing the roof it is more valuable so the insurance company then charges you higher premiums for coverage because the cost of replacing/repairing it is now higher so the premiums go up on the policy - and next the state appraisers will increase the value of the home because it has a new roof and suddenly your taxes go up because they say the house is now worth more so your taxes increase due to that increase in value.
Looks like there needs to be some updates to the laws to prevent Insurance companies from doing BS like this.
Actually, laws are the problem with insurance. You need to get rid of the regulations at all levels, and get rid of the regulations regarding finances for covering people. Those two things would make the competition and accountability increase to the point that new, better companies would put an end to the old, terrible ones.
Obviously, the existing companies lobby for those regulations to maintain regulatory capture over different markets, which is why it only gets worse over time.
@@litigioussociety4249that's the stupidest thing I heard.
@@freeisalwaysme Then you don't understand how corporatism and regulatory capture work.
@@litigioussociety4249so what is stopping bigger companies from gobbling up smaller companies thus eliminating the “competition “ which you claim is the only check needed? Corporate entities will never act for the benefit of the customer, only for the benefit of the shareholders thus why regulations are needed. Lobbying is what needs to be eliminated, not regulations.
@@Swolejohll Your comment doesn't make any sense. Insurance companies don't have physical and material production costs, so economies of scale for the most part don't apply. They might in terms of going from a small office to a local branch, but after that corporate overhead often increases costs. So diseconomies of scale apply, since local markets have different demands; particularly, government regulations not being the same everywhere means insurance has to be different everywhere. If they could have the same policy in place across states and countries, and have a completely free association model with no mandates, then it could be a purely a la carte style product that would significantly lower costs.
It sounds like the church type insurance is an attempt to bridge that gap to work around government regulations on large, commercial property. Regardless, without a free market the accountability and demand hasn't been there for decades to prevent this type of corruption.
The problem here is just like police departments and the transit authority, insurance companies get to govern themselves. They make the rules and have full discretion to decide when to pay out or what qualifies as covered. Don’t like it? Well good luck fighting it.
That is not really true. Every state in the US has an insurance commission and these commissions (you know, government bureaucracy that everyone hates) analyze insurance claims and payouts and insurance companies are one of the most heavily regulated businesses in the US.
@@shenmisheshou7002 - That’s no different than saying big government overseas small government or internal affairs with PD… or even the medical review board for example.
It’s all a corrupt method of self governance that the majority of time has a bias when it comes to reviewing outside incidents. All of these different establishments are allowed to self regulate and their higher authorities are almost always favoring the establishment over the end user.
@@HiThisIsMine That is the way free enterprise is supposed to work. Many people in the US say we have too much government and too many regulations, but when their insurance goes up, they seem to want the government to fix it for them. The insurance commissions for the states do that, but they can't control the size of the claims. The more claims and the more expensive those claims are repair, the more the premium will be. What is lost to so many though is that the state insurance commission looks at the reserve funding that each and every company in the state has to ensure they have enough for future payouts. What most people don't realize is that if there is some major event, the insurance companies not only have to pay the policy holders, but if the event is historiclly larger than in the past they increase the amount of reserve funding, so now the company has to pay out the claims and they have to put even more back into reserves so that they will have enough to pay even larger claims the next time there is an even larger loss, and this is where Florida is right now. The state is having an existential crisis because insurance is now as much as mortgage prices, and that puts pressure on the property tax revenue stream. The National Flood Insurance Program is broke and Congress wants it to restructure or they won't re-fund it, and if they don't refund it, the impact on Florida real estate will be horrific, but the leading plan to fix the NFIP will triple the flood insurance premiums in Florida. Climate change people predicted that Florida would be the state to have the most financial impact from climate change but most people in Florida were too stupid to actually understand what that meant, and what it means is that property values in Florida coastal areas will plummet after the NFIP restructures, and it does not have a choice. If it does not restructure, congress is going to de-fund it. Florida alone is bankrupting the NFIP and Congress thinks Florida needs to pay a bigger share of the funding for the program, and of course they are correct.
I haven't been a roofer in 40 years but the white shingles were nailed to red shingles. We used to call this "roof over". It's a bad practice and not legal in some areas. New asphalt shingles are meant to adhere to a smooth, prepared surface, not crumbling old shingles. Roof-over is much cheaper because there's no "tear-off", hauling, dump fees or even roofing felt to pay for. Basically nailing new shingles over existing problems.
Was wondering because here they do a first roof then when time they add on top, then third time back to bare and start over. Always questioned that.
@@madjack8893 Wow, 10' x10' square of shingles weighs about 400lbs. 2 extra sets of shingles means tons and tons of weight that the building was not designed to hold up. Pretty wacky what folks will do.
@NfidelNet Scary, got me looking at my ceilings lol. 😵💫😵💫😵💫
I'm British, and this type of roofing is very uncommon here. Traditionally, we use slate or clay tiles. Why is it so popular in the Sates?
Most places in the USA allow two layers of shingles.
As someone that lives in an area where insurance cost you $8,000 a year on your home you can't even have solar panels on your house anymore unless you pay an extra $2,000 to your policy.
He should sue.
Often times the cost to sue a major corporation is more expensive then the settlement you get from winning a lawsuit. That's why corporations can do things like this. Why would you sue to lose money?
He would lose.
@@MtuckerGoBlue Not necessarily. The insurance companies have powerful lawyers but if you could somehow make it class-action or get the AG involved then that changes the math.
I think that's 81% confidence that they are asphalt, not 81% confidence in them!
Insurance companys used to quote a preimum
Steal your money
then find a reason to not pay your claim
and it worked for years ..
now they just dont want you
Insurance companies gather their money together and give it to politicians. You can not win, don't try.
The real crime is the roofing company charging $7.50 a sq ft for replacing the roof.
for that size building, that was actually really reasonable compared to what I've heard, lately. people in my area are paying 30-40 thousand for a HOUSE roof.
Ya but u want quality job u pay. Lot scammers out there
Laws need to be in place that Insurance companies have to physically inspect property before they can cancel a policy.
Then your rates can up with the added cost. Instead, they acquire information from sources like "better view". Which I am familiar with, and I think it is a flawed system.
I think it's time for the federal government to start looking into extortion by insurance companies and start cancelling them.
It isn't a federal issue, it is a state's rights issue, and did you know that EVERY state in the United States already has an state insurance commission and that insurance companies are one of the most regulated businesses in the economy? Did you know that there is a "Socialist" insurance company called the "National Flood Insurance Program?" The Socialist US Government had to create it when insurance companies were being wiped out by flood claims. When you buy flood insurance, you buy it through a regular agent but that money goes to the NFIP, and the NFIP pays the claims. Funny thing though is that Congress is ready to de-fund the NFIP. What is that you say? You can't believe they would do that? Well, as it turns out, the people that live in places where it floods every 100 years have rates that have gone really high because they are paying into the program so it can pay out claims in Florida, where it floods somewhere twice a year now and the reps from the states where it rarely floods don't want to be subsidizing the homeowners in Florida. Sad for Florida, because the new plan that will keep the NFIP alive will require flood insurance rates in Florida to triple. WOW. Florida already has socialist program that puts 1% surcharge on all residential insurance and this would be used to pay claims in case a regular insurer goes bankrupt if from a severe weather event and can no longer pay out claims. The socialist Florida Government made that law. Wow!
@@shenmisheshou7002 Maybe it should be a federal issue. The comments below show there is something wrong in the insurance "business". Do what we tell you...or we'll cancel you policy. And that's after they double or triple your premiums at will.
@@ebutuoy6463 The Federal Government really has on role to play here. Let's look what happened when insurance companies stopped providing flood insurance. Flood damage is one of the most severe damages in the industry, and when the insurance companies were seeing higher and higher claims, to keep insurance affordable, they just said "Our policy does not cover floods." Congress could not force the insurance companies to provide flood insurance, but they knew that without flood insurance, homes in flood prone areas would be un-insurable, and that meant that the property would be essentially un-sellable because no mortgage company would give a loan. Since the government could not FORCE the insurance companies to do anything, it created the socialist National Flood Insurance Program NFIP. When you buy a home in a flood plain, you buy the insurance through a regular insurance company, but the underwrither (the entity that actually pays the claim) is the NFIP. And here is the funny thing. The NFIP, thanks to enormous payouts to Florida, is broke. A bunch of red state congressmen and women are pissed off because the people in their states are paying enormous flood insurance rates when they are in a 100 year flood plain, but Florida gets the vast majority of flood claims. These people in these other states are subsidizing the insurance cost for people in Florida.Congress is going to de-fund the NFIP in September unless it re-structures the rate system to place more of a burden on the places where flooding is far more common and where there is more density. The leading plan will triple the flood insurance costs in Florida, which will have a devastating impact on property values because the insurance premium will be as big as the mortgage payment! So, the Federal Government can't force insurance companies to change their business risk practices because if they could have done so, they would have done it when the insurance companies stopped offering flood insurance. At the rate it is going, in some places, it won't be long before they stop offering roof insurance and poor old Uncle Sam will have to create the National Roof Insurance Program but the result will be the same in the to get the insurance, you will pay much more if you live in an area were storms are common, and they will start to require roofs be newer. Even today, where I live, because of the growing risk of roof damage from hail, insurance companies will not replace a roof that is more than 10 years old if it suffers hail damage. They will only pay to replace shingles that have enough damage to leak and if the replacement shingles don't match exactly, well, sad for you. I have seen insurance companies replace 25 year old roofs because a couple of large hail stones damage some shingles and the new shingles would of course stuck out like a sore thumb. I suspect that at the end of the day, the insurance companies will tell the state insurance commissions that if they won't depreciate the roof based on the age, they will stop writing polices as we see in the case that is the subject of the video.
The Federal Government should take over Home Owner Insurance industry like they did for flood insurance. Private insurance companies DON’T want the risk. They either drop you out right or triple the premiums to force you off their policies! Come on our Government Representatives please help the American people!
I’ll pray for them.
As a recent victim of an underwriter for my home owners policy , while never a question previously this underwriter chose to cite alledged ( rot ) for our home . her basis was admittedly only a partial view . Question , should we move our homeowners policy to another vendor? Dicussed !
Simply because of the age of the roof, insurance companies are making people replace them before renewing policies. They do the same with water heaters and air conditioning systems. It doesn't matter if they're still functional.
@Paul-vf1dgThe old insurance company dropped them because they knew the expensive roof replacement was coming up in the near future and didn’t want to pay for it. It’s like if a life insurance company could drop you for having too many wrinkles.
In my market, the insurance company won't replace a roof more than 10 years old. They will only repair it as needed to keep it from leaking. 40% of Insurance payout dollars are now for roof damage. The fact that the subject of this video had to put a new roof on means than no other insurance inspector would touch it.
Why air conditioning?
@@shenmisheshou7002They were automatically denied without replacing the roof because they had been dropped due to the roof condition.
@@evilsharkey8954 Insurance does not cover end of life roof replacement, they only replace a roof it it is damaged by wind or hail. The older the roof though, the more suspectable to damage it is from these factors. Also, this is not a residential policy, this is a commercial building and they have different standards.
Insurance companies looking for any excuse to cancel policies because they're not profitable due to their inability to raise rates.
Yes, insurance companies exist to make money. If they lose money, then they’re going to drop risky properties or simply leave the area completely.
Insurance is all about risk. Bigger risk higher prems..
@@JamesSmith-ij8nj yup
Insurance companies are out of control.
The loophole here seems to be that the insurance company isn’t required to continue the policy if the roof is repaired/replaced and inspection shows no damage from when the roof was inadequate.
The policy is dealt with at renewal. If he gets a new roof and the church goes to market, they may be willing to write a new policy.
This is GREAT risk management on part of the carrier. Insurance policies are not maintenance policies. A 15-20 year old shingle has reached or is nearing its maximum life expectancy. Why should the insurance company carry the risk of it (a) failing (b) causing water intrusion to the interior or (c) the church suing them when a claim on this old roof is denied. The expectation should be that the church would have budgeted for roof replacement because of its age with a retired mason/GC as its leader. Instead, “it’s not leaking” and calling the media to plead poverty by a 503C is the choice the church made.
Yep. Only a few of us on this video seem to understand the what insurance underwriting does. People that show for new homeowners insurance would likely say that two of the first questions they are asked is "How old is the existing roof" and "What material is the roof made from" Also, in my market, they will now tell you that if the roof is more than 10 years old, they will not replace it if it is damaged, they will only repair the damaged portion to a point where the roof does not leak, and they will not guarantee that the shingles they use will match your current roof unless you pay an extra annual fee. What people don't realize is that 40% of residential claims money paid out is for roof damage. It is easily the highest risk cost to insurance. Now this case is a business, but the figures are about the same for shingle roof businesses. Most newer businesses use flat roof and TPO membrane, and this is much less expensive to repair.
Why couldn't they just get an inspector to verify the condition of the roof if it was in good shape.
Because sending out an inspector would cost the insurance company money.
@@jimc5694 I mean the pastor could have got an inspector to show an insurance company the roof was not in need of replacement. Why would anyone have a roof redone if it didn't need it.
20 years old. Time for a new roof. Insurance companies are tired of getting scammed paying to replace 15 to 20 year old roofs. Keep your property up to the Insurance code.
@@jimc5694the insurance company did inspect. Everyone agrees the roof is at the end of its time. 15 to 20 years.
@@smokingjoe9864They did not inspect. They used a satellite photo. No in-person physical inspection.
if you have a building/home in california, you're going to get cancelled....that's the objective...
When the average person refers to "satellite image" they are talking about aerial photography.
That is, the pictures are taken with cameras carried in an airplane.
God works in mysterious ways...
That pastor has bigger risks to attend to than his roof.
But he's not looking at personal risk.
Have you seen the prices for a combo meal in California? Might be more than his insurance.
I hope somebody set them up a GoFundMe because refusing to ensure a house of God is unbelievable. I will put money towards this man’s losses so that he may continue to spread the word of God.
Sucker
Why Does the Church Need Insurance When "GOD" is their Underwriter?
It seems that god is unreliable.
God works in mysterious ways. The good lord must be telling them it's time to replace the roof, now all start clapping, singing and praising....
@@queeg6473 ...and tithing! (pastor seems starved.)
@@queeg6473 The Lord needs to tell the Pastor to go easy on the Meals or they will be meeting earlier than expected.
There's an excellent movie called "The Man Who Sued God" starring Billy Connolly.
If the roof is leaking it is too late. The insurance will cancel you long before that.
Any roof over 15 years old is uninsurable under a standard policy according to their guidelines.
Same is happening here in Florida. My insurance doubled this year. We are getting robbed.
That’s because of all the hurricanes. The cost for insurers is going up, too. Of course, they’re going to add some extra to make more profits, too.
Unfortunately, the reason for increasing hurricane frequency and severity is something half the people in this country pretend isn’t real, and the change not reversible, anyway, just able to be slowed down to an adaptable pace.
No, you spent the last few decades robbing your insurance companies until they left your state. you’ve got problems with homes being built in areas where they shouldn’t have been. And along running roofing scam where contractors would replace perfectly good roofs at the insurance companies expense. And if the insurance company complained, they would have to pay fees on top of it. So right now the largest insurer in the state of Florida is the state of Florida also known as citizens insurance.be careful what you ask for
@@evilsharkey8954 The solar cycles change every 11 to 12 years.
@@neilkurzman4907Considering insurance companies make a living out of never paying out... I'm not surprised someone finally decided to scam the scammers.
thank you for brining this criminal organization posing as an insurance company to light. how low do you have to be to do this to a CHURCH?!!!!
Insurance companies are in the business of collecting premiums and denying claims. Smells like they wanted to beat this church to the punch on getting a contractor to file a claim for hail damage and get a free roof out of it…. Not saying the church would do that, but a lot of people do.
Check out how many policies are getting dropped in Ca. Companies are moving away from the state.
They are dropping people in California, Florida, Texas, Alabama, Mississippi, and Louisiana - due to the multiple 100-year storms/fires in just a few years. Texas seems to get a 100-year storm every 2 years.
In crestline insurance co’s are forcing homeowners to cut down all the trees.
A bit drastic, but falling trees are a huge problem and cause tremendous damage - and even deaths - during storms. Especially non-native species like Australian pines. There's also a lot of resistance. In the aftermath of one hurricane, a woman on the news was sobbing - I mean, absolutely convulsing - because her "favorite tree" had blown over. In the background, the tree was resting on her neighbor's smashed car.
@@waynetompkins3006 no hurricanes in crestline, it’s a mountain town, covered in pines.
within a certain footage of the property. Does crestline have "high wind" issues? Just curious.
Good to know California's Insurance Commission is doing such a bang-up job.
God can't protect you from insurance companies' greed and stupidity 😂😂
God( Jesus) didn't come to condem the world, but to save it. John 3:17 . The unrighteous, will someday receive, their punishment. Revelation 21: 15
@@saved217 I challenge God to a duel
@@komradekush3411 You can tell him that, when you meet him.
@@saved217 I would love to meet your imaginary friend
@@komradekush3411 Not to worry, You'll meet him soon enough.
Has nothing to do with the roof. It is all about companies leaving California. As soon as they clear all the accounts in Cali they will move out of state.
Satellite images are all distorted and cannot be used for such purposes.
Sending thoughts and prayers.
I don't know if I am the only one that got that, but it gave me a laugh..
Does insurance get a kickback from roofing contractors? 🧐
No. They are in constant contention with them. Roof companies over exploit insurance companies forcing the premiums to go up.
@@MtuckerGoBlue Thanks. That makes sense. There is an actual fraud danger that insurers have to be aware of. There are surely cases where they get it wrong, but it would be incorrect to accuse insurers of responding to a nonexistent danger with proactive assessment policies.
I agree with this, We should drop California for our national rate pool. Florida too. They do no share the same risks and should not raise everyones rate
Different areas with different risks get priced accordingly. As they should. You want a wide risk pool, lots of different geographical areas, so if a natural disaster hits one area the rest of the pool can support the needed payouts.
Did you know that every state has its own insurance commission and in just about every instance, the entity that pays your claim is written by a state underwriter? For example, I have Progressive Home Insurance, but on the policy, it says that the insurance is actually underwritten by Homesite Insurance Company. State Farm has itself does not really insure you directly, they insure you through one of the many subsidiary companies they own. They do this for two reasons. The first is to limit risk, often to a state where there is a high liability, like Florida or California. This way, if some truly catastrophic event occurs only the local underwriter can be affected by bankruptcy and if they can't pay out claims, well, ouch. The other is that sometimes it is necessary so that they can be compliant to state regulations.
One of the things the state insurance commission does though is to make sure that the company keeps enough money on hand to actually pay out claims and this is based on historic payouts, This means that if there is a bad storm, next year's policy not only has to be capable of paying out the claims, but if the amount paid out was more than historical norms, the insurance commission will likely go back and tell them that they have to add more money to the reserves and that means that they have to add that money to the new policy too, so you are paying for the current damage and the risk of future damages being greater than historic damages. This is what people don't understand. This is a heavily regulated industry, and the state regulators try to ensure that rates are fair, but at the same time, they have to make sure that the underwriter for the state will have enough money available to pay out the claims that are typical for a year. The situation is Florida is so grave that the socialist government in Florida had to put a 1% surcharge on all homeowner policies in the state to go into a special socialist fund called "The Florida Insurance Guaranty Association" They had to do this because the smaller underwriters are struggling to build the reserves required by the state regulators, and the state is afraid that in a major catastrophe, many of these small companies would not have sufficent funds to pay out claims (in other words, they would go bankrupt) so the socialist Florida Insurance Guaranty Association, which takes money from poor people that live in north central Florida, where there is rarely storm damage, and use it to pay the claims for the rich people living along the cost. Wow. Who would have thought that Florida would be so socialist? I guess socialism is only bad until you need it.
How many homes have been destroyed in California this year? 0
How many homes have been destroyed in Texas this year….
Fires(500)… tornadoes(500)
I guarantee my home insurance and property taxes are less than yours!
Stfu
Insurance companies are trying to get out of California as a whole.
Hope the church hires a lawyer to sue the insurance company, as the company is nothing but a scam company. They just do not want to pay a possible claim.
Had something similar happen to my dad. They threatened to drop him because there were tree bramches overhanging his house. They only looked at a satellite image. Never actually sent anyone out. He ensed up trimming all the branches off one side of the trees near the house to make them happy. This was in Southern michigan.
Two problems, California Insurance Board and California. Together, they do whatever the h3ll they want, and they most likely lobbied the judges too. Most appeals are overridden and there's no chance of recourse. And on top of all of this, their premium is raised by 300%!
This is not a problem unique to California, this is happening all over the country from Florida to New York to Massachusetts, Texas and California. This is what happens when you have an out of control insurance market that is poorly regulated but yet people keep voting for these damn Republicans and corporatist Democrats that will let the insurance companies get away with this shit.
Every state in the US has an insurance commission and insurance is one of the most heavily regulated businesses in the US.. But hey, socialist Florida has put a 1% surcharge in their state for all home insurance policies, and they did that because if an insurance company goes bankrupt due to damages from a catastrophic storm, they will be able to pay the unpaid claims from the socialist fund that they put in place to take money form homeowners that live in the north central part of the state to those rich people on the coast to pay their claims if their insurance company goes bankrupt? Did yu know that the socialist National Flood Insurance Program is going broke and congress is ready to de-fund it because people that live in red states where it only floods once in a hundred years are getting tired of paying the insurance for rich people that live along the coast in Florida? The new plan that will probably save the NFIP will triplet the rates in Florida. Sad for them. The NFIP came into existence because insurance companies simply could not take the risk of major storms hitting the gulf coast or major floods along rivers like the Mississippi, that have the potential for flooding millions of homes, but might only do that once every 500 years. Florida is going to get it up the ass because when the NIFP restructures its rate plans, property values in the coastal US and flood prone areas will skyrocket, but the winners will be people in sparsely populated areas (red states) where it only floods once every 100 years. Until it floods more often than that. Wow, socialism is so bad! Until you need it.
My mom’s insurance cancelled her as well because we made the mistake of turning a claim in for her when a tree branch fell on her roof. They sent the check to repair the soffit, fascia and header board but let her know they wouldn’t renew due to their inspection at the time, the adjuster noticed her starting point of the roof was not even by 1/8 of an inch. A roofer friend put it on for her about 10 years ago. So 9 years at the time this happened. Our whole family has been clients of this company for our duration of our adulthood. Our own agent took early retirement because he was done with their practices. That’s pretty bad.
Cool fake story bro. You get an "A" due to your "victimhood"
This should be illegal
Nobody should be forced to insure anyone.
Insurance companies make up the rules, they by the judges and politicians, you don't.
What, exactly, should be illegal? And why should it be illegal? The insurance company didn't cancel the policy in the middle of a contract. They just decided that they were not willing to renew the contract in the future. In their opinion it was too risky. The church shopped around and no other company was willing to insure them, either. Not until they got the roof replaced.
If you make it illegal for insurance companies to not renew contracts then the only thing they could do to handle the extra risk is to raise rates for everyone. Because there would be no way to get property owners to do preventative maintenance. I don't know about you, but I personally don't want to have to pay extra to cover other people's neglect.
I received notice this year that I had to replace my roof or be cancelled. My roofer said I could have waited another year or two, but I forked out the money and replaced the roof.
Same hear roofers busy my area had 2 wait but got done
why bother with insurance. just set up a repair savings. maybe only insure for total loss fire/tornado
Self-insurance is always a gamble, and an especially big one when the client is already cash-strapped. The cost of that roof is hard for this congregation to afford, and that's a fraction of the cost to replace their whole building if it burns down. It would take them years, maybe decades, to save up enough money to be insured against that kind of event. If they decided to self-insure, they would have to pray really hard that no catastrophe would happen for a long time.
Insurance also provides liability protection in case someone gets injured on the property.
Best way 2 go easy if u plan ahead most people don't want 2 save 4 something mundane
This is one reason metal roofs are getting so much push. They last longer and resist fire and stuff like hail. Insurance companies and roof installers love it.
Want my home 2 look like a home not damn barn. Ok if u take little pride in ur property
That is freaking ridiculous the insurance company is wanting to collect the maximum dollar on brand new roofs show that they make a huge profit and don't ever have to pay out a dime. This is selective shopping by corporations for maximum profit. It hurts everyone. The courts, should look into this and the church should find an attorney who knows how to study case law.
Are you a commie or a socialist? In fact, every state in the US has an insurance commission and the insurance industry is heavily regulated. if you think that it should be different, find a representative that is running for your state congress and tell him you want the government to take over insurance. Insurance companies are leaving Florida because they are so afraid that the next big storm will bankrupt them that they are just finding the risk too big for thee reward. By the way, roof claims account for $40 percent of the dollars paid out for insurance companies. Wow.
Our homeowners insurance was cancelled due to brush and grass growing too close to the house. The insurance company used photos from Zillow and an "inspection" that happened before we ever moved in. By the time we got the cancellation letter, two weeks after moving in, the yard had all been cleared, but it didn't matter.
What a great church, and to have this happen to them is terrible.
Allstate is trying to do this too.
Hit me for a vehicle that was in driveway they claimed was a danger to my property. All from a grainy satellite image. Then wanted me to provide current photos that it was not here to “update” my underwriting.
Seems to be a new thing insurance companies are doing.
I have multiple vehicles they don’t always move regularly and most get parked in the same spots daily
About 15 years ago an Allstate insurance inspector decided visually from a distance, not even getting out of his car, that my roof and rain gutters needed to be replaced because of "Bad condition". The rain gutters functioned perfectly, only needed a new coat of paint, and the roof did not leak. Of course I got a letter stating my policy would be cancelled unless repair or replacement was done by the policy renewal date, which was only a week or two away. When I demanded to see the actual report with the supposed reasons for the roof and rain gutters not meeting their requirements, they could not produce one, because it didn't exist. They just decided by word of mouth of the inspector, who never stepped foot on my property to actually inspect anything, to force me to repair or replace, in a very short amount of time. Needless to say, I cancelled my policy before they did, and told them I'd spread the word for the rest of my life about the scam they've got going.
Tax the church.
No.
You're forced to buy insurance, the only incentive for them to honor the policy is if the bank requests it or it's a small repair that keeps you on the hook.
No one of " forcing " you to buy building insurance if you own the building.
@@bobroberts2371 Lol. The rich get richer off the backs of the poor.
Insurance companies are like casinos. The house always wins. Even if you win you lose through higher premiums, deductibles or they cancel you.
He doesn't pay taxes, why does he need insurance? Let your mythological big brother take care of any problems. All you have to do is look at him to know how godly he is.
If appearances mean anything doesn't appear 2 b someone takes care much
Insurance is one of the biggest legal scams going.
Did you know that 40% of the money that insurance companies pay out is paid out for roofing damage? Did you know that an old roof is far more likely to fail in high winds and suffer damage or leak? If you change insurance companies these days, some of the first questions they will ask you are "What kind of roof is it" and "How old is the roof." Also the fact that the subject of the video was putting a new roof on means that none of the other insurance companies would touch it because it was too old. I fell bad for this business only because they had to lay out so much money that they apparently did not budget for, but old roofs are an almost guaranteed payout if severe weather hits.
just have god fix it. is there anything he can’t do? oops!
GuideOne better watch out. There is a special place for people who scam churches.
Back in 2018 a retired couple were detained in handcuffs for hours in a hot patrol car, their home and plants ransacked because a private contractor assigned
to assess damage from a fallen tree by Nationwide Ins. came back onto their property and took pictures of flowering (HUGE flowers btw) HIBISCUS bushes
whose leaves LOOK LIKE marihuana. So much for how badly supervised and trained to damned many of our law enforcement officers across the country are.
Nationwide settled with a non-disclosure agreement. Information on the suit against Buffalo Township, PA. cops and the judge who signed the search warrant are unavailable.
Looks better than my roof.
Next video - " Insurance cancels man's policy based on a youtube comment.
Wouldn't doubt it didn't build those stadiums and skyscrapers paying out
What that insurance company did is outrageous.
Insurance used to be an industry where the insured is covered for a good portion of damages caused by things like disasters. But now it's an industry where they are quite willing to deny claims to "save money" and deny coverage to "minimize risk". It's long past due for a top-to-bottom investigation.
I made a post about insurance companies dropping people across the states and had several in California stated that it never happens there and is only a Florida thing. Guess this and many other stories keep proving me right. Insurance companies are not there to help any of us. Only for them to make money and drop you when you need them the most.
That's not what 81% confidence means. It means they are 81% confident that it is asphalt shingles.
Insurance companies will take advantage of people who can’t fight back or don’t know how to. If my mom hadn’t signed the paperwork for the check, I would have taken over and made them reevaluate the damage to the house when the kitchen flooded and ruined the floors and appliances in the kitchen, living room, and dining room. She was lucky that she had carpet with thick padding because it prevented the rest of the house from flooding. They gave her just enough to cover the deductible and for the mold people to come out and do a half baked job. They told her that they just didn’t see any damage.
Stories like this I see all the time now. It really makes me realize how much I take my State Farm agent for granted. I've never once conceived of shenanigans like this. I get hail damage to my roof, and the adjuster is working with the roofers so I don't even have to pay a deductible. Didn't even ask for a new roof. They came to me and offered a free roof after the storms came through. Roof turned out really good and still going strong 9 years later. And that's not even mentioning the ridiculously large check they wrote me for the hail damage to my old car. I just kept the money since it was a 2007 Corolla. The hail damage makes it more aerodynamic like a golf ball. Haha! This is in Arkansas, if anyone was curious about the market I'm in.
I have heard some horror stories about State Farm. They aren't any better than the others.
Mostt likely the roofing guys sub-contracted for them and thus it was a cheap repair and the roofing guys got a kickback.
I'm no roofer, and I can see nothing wrong in the satellite picture, but the mid-replacement pix look like there was something going on with the wood sub shingle structure. (???)
The roof replacement cost is a lot lower than I expected for that area.
15-20 year old roofs are often not accepted under a NEW policy. If this policy was obtained in the last year, the insurer had every right to cancel the policy.
Our insurance company did the same to us. They sent us a 15 year old Google Earth image and said we had too many trees overhanging our house that were potential hazards. We had those trees removed years earlier and when we told them that they refused to send an actual inspector to physically look for themselves. We then sent a more updated satellite picture and they still said it was cancelled because we didn’t have them removed. We figured at that point there were morons and we went elsewhere.