Insurance policy cancelled because of cats!
I've been with Allstate since I had my "contents" insured while I was renting ...from 1979 till the present, I have had one previous claim...it was clearly documented & proven to be due to water damage from a faulty humidifier installation...I didn't claim for any damages on that one aside from the carpet!
Recently my hot water tank burst & flooded my basement...it was pretty bad & the cat litter boxes are downstairs...clumping cat litter thrown out of the box or tracked over the carpet from their feet got wet & it was pretty gross! My Bengal with the IBD didn't want to walk on the wet carpet so he just pooped on the rug & hurried back up the stairs...silly me, fearing I'd be electrocuted by elecrtical cords lying under water, was afraid to go to scoop the litter boxes...there was about 4 inches of water across the floor! Of course I did venture down & cleaned up any solid waste prior to their arrival & I did pour disinfectant over the stains.
The insurance company sent a team in to clean up...they said the wouldn't do the work unless I got rid of the cats...since I had no where to send them & some were in quarantine...I went to see my agent at her office...she was a total B---- & was just so freaked out about the cats..." Why do you have all those cats???" she kept yelling...she could not understand that I am fostering these cats for a rescue...eventually I was sobbing becuase I had no where to send my cats...she told me to get out of her office...she actually yelled at me..." I'm not going to deal with you if you're going to be like that!!!" kind of comical I guess..,
I called another agent & was told, "well you'd better stop making waves & just count yourself lucky that you've got insurance at all with all those cats"
I have a lot of problems in my life at this time...so I just put all of this a back burner... how I deal with stress
The following week a regional manager contacted me...BTW my phone & internet lines were affected by the flood & I didn't have use of either....I had made that very clear when I spoke with my agent & head office.
I agreed to lock the cats in a bed room...they had requested that I move them out of the house altogether...which was impossible!...they wore Hazmat suits & respirators...ridiculous...left some equipment, humidifiers & dryers, said they would return the following Tues or Wed,I reminded them re: my wet phone lines... ( this was a Sat.)...3 1/2 weeks later, I still have the stuff running in my basement...i got a letter from the regional manager advising I would be charged for withholding that equipment...I was stunned!!! The stuff had rendered my lower level out of service, plus I was worried about the hydro bill!
Finally it was removed...I am being charged $4000 for "undue delay of the equipment"...
Then, I recieved an email advising that I would be charged for undue delays of this giant garbage bin left in my driveway...presumably for cleanup!
A few days before I recieved a visit from Bylaw enforcement...my neighbours complained about this very same bin! ( my neighbours have caused problems for me with animal control too...but that is a different story!).
The total damge assessed for my claim is $11,000 ...the clean up cost $9,500 !!!! Don't know the cost for retaining their garbage bin yet...but I do know that $4000 will be deducted frofor the equipment!!! I can't believe the cost of the cleanup...$9500 to rip out a carpet??? they were here for a couple of hours.
This is the punchline!!! I got a registered letter yesterday advising me that my policy would not be renewed on expiry because due to my "FREQUENT" claims!!! As of Dec 31, 2005 I will no longer have homeowners' insurance after 27 years as a loyal customer with one previous legit claim for a mere pittance...INCREDIBLE!!!