From: "Bruce Musgrove" 
Newsgroups: alt.home.repair misc.consumers.house rec.gardens
Subject: Re: Above-ground Stump removal ideas needed
Date: Wed, 29 Sep 2004 01:23:28 GMT

Beg to differ. Case in point Farmer's insurance in exas in 2001-2002. The
majority of people had rates rise 75-150% for no claims at all. and a lot
even went up 200% for very small claims.

"v"  wrote in message
news:415981f4.7093009@news.verizon.net...
> On Tue, 28 Sep 2004 01:57:15 -0500, someone wrote:
>
> >As has been discussed before, even talking with your insurance agent will
> >require him to register your conversation in a database used to raise
> >your premium.  If you see your insurance agent walking down a street,
> >divert your eyes, walk in a different direction, and don't let him see
> >you.
> >
> I think that's crap in a case like this.  This is mainly a worry for
> people who have a history of numerous petty claims, like they are
> "trying to get their money's worth" out of their insurance.  Naturally
> there will be some folks who claim its not their fault, they are not
> like that, its just circumstances, and maybe some are right, but they
> fit the pattern.
>
> But THIS TIME there was a frickin' HURRICANE.  Everybody's premiums in
> the whole area are likely to be effected by such conditions, while
> OTOH nobody in the area would not stand out merely for making an
> inquiry.
>
> In the age of computers, that insurance companies track each covered
> premises, is fearful news only to superstitious homeowners.  We
> operate four commerial properties and it is routine that RFPs for
> renewal quotes include a 3 year "loss run" (history) for each
> location.  A zero loss report or inquiry is just that, no loss.  Not a
> big deal.  "Required to register" makes thing sound much more sinister
> than they are.  There is a 'file' on each property - so what - no
> surprise there.
>
> But as OP clarified, as the trees did not hit his house, they are
> 'merely' landscaping and not covered.
>
> -v.