Wednesday, December 29, 2010
You can imagine my shock, by way of a notice from our mortgage company, asking for additional $300+ "escrow" money. What? We are paying down our loan, and we we have a fixed mortgage, so there should not be such blips. So we investigated.
Turns out our homeowners insurance, Allstate, raised our rate by-- 73%.
Clearly, if they sent us a straightforward invoice showing the rate change, we would have responded accordingly-- pitched a fit & dumped them post haste.
But what they did was send us some fine print gobbeldy gook, and called us to "help find ways to lower our rate" (read a sales pitch).... never up front saying they'd jacked it up so much.
We've had no claims, the payments are made by the mortgage company, so no delays w payments.
When I called to ask/complain about it, the freakin' clerk had the gall to try to sell me more product.
I cut to the chase-- Please don't waste your time, or mine- do NOT try selling me anything right now.
What I need is to speak with a manager.
No manager available today.
My friend Lisa said it best:
A 73% rate increase is 100% unacceptable.
I called this morning, and my agent's office is not open till 9 AM, so I spoke with "Jimmy", he was located in India. He confirmed our rate did jump by 73%. However he did not have the number to a regional manager. I want to talk to MY agent's boss. Think in the New Delhi accent "I am not able to provide you with a number", so I asked for a supervisor, & spoke "Nancy" in India, I ask to be transferred to a regional manager in Oregon. The call is forwarded to Jill in North Carolina. I asked to speak to a regional manager in Oregon. The call is forwarded to Cedric in Illinois. He gives me the same story... they don't have a number of a regional Manager in Oregon. I asked him to transfer me to a supervisor, but instead, he dumped me into a generic voicemail. Damn! Jimmy, Nancy, Jill & Cedric could not help me, in this global telephone trot. So I called corporate headquarters & spoke with Jack, who gave me the Bothell Washington Regional Office. If this run around is any sampling, I suspect I will be chatting with so many more Allstate employees or subsidiary call centers, in a global way. My local agency manager is not in today, but the clerk Kara, explained in a lecture format, how insurance works. So many claims. Ugh! I wish I had a violin! But my point is we've been customers for over 20 years & have not made 1 claim. Not one. Kara gave me the number to the marketing manager, whose voice mail says he's out for the week of the 27th. I did at least learn that we can cancel the policy & get a full prorated refund. I feel like I've come full circle. Maybe later, I'll be in the mood to talk with the Washington Regional guy, but my time would probably be better spent calling other insurance companies for a quote.
Remember all that fussing they did about health insurance reform & adding kids over age 18 to 26 to health insurance?
We now have the honor of paying $143 a month for the privilege. There went $1700 bucks.
Don't get me wrong-- I'm glad to have health/dental/vision insurance, but it is a whole lot of money, plus co pays & for me an additional 20% of medical bills.
What's your insurance story?