Re: [AFMUG] The Hartford claims
I would say good luck with the Hartford. I never had any claims with
them luckily, but I was billed for 2 years of service after I
discontinued my policy from them jacking my rates up over 500%. They
they tried to bully the money out of me and told me I had to prove to
them I had service during that time. After I provided that they still
sent it to some shady collection companies months later that did all
kinds of illegal collection attempts like calling my wife's business. I
wouldn't touch that company ever. I couldn't even imagine what they
would do if I had filed claim with them.
On 11/25/22 6:19 PM, Steve Jones wrote:
Inland marine is on the 2023 agenda, I'm not a rich utah mormon like
you where everything is made of gold, so I had to take baby steps.
That,of course depends on how many more of these "hey you damaged"
emails I get before then.
I do feel bad for this guy, water apparently got bumped a few months
back, just enough to crack a fitting. It puked this week. So water got
shut off Wednesday and repaired today. I'm hoping he didnt host
Thanksgiving. I'm going there tommorrow to verify it was us. I cant
see that it wasnt based on what appears to be the pipe we put in in
the pictures. Invoice lists overtime, so I assume its holiday weekend pay
That made the bill so high
On Fri, Nov 25, 2022, 5:34 PM Chuck McCown via AF <mailto:af@af.afmug.com>> wrote:
I filed 2-3 claims, all on our Inland Marine Policy. We had a
reel trailer get stolen, we backed over our Underground Magnetics
locator. Both large claims. The policy did not increase afterwards.
And we have had the odd workers comp claim now and then.
And on our GL policy we had workers hit peoples parked cars a few
times. Nothing major. And I don’t recall the premium ever
increasing for any of them. But I have had many years of coverage
so a pretty good record. I highly recommend Inland Marine if you
can afford it. It covers people stealing from the back of your
truck. It covers the machines on the trailers if they get stolen
or damaged during a wreck. Your regular auto insurance will not
do that.
*From:* Steve Jones
*Sent:* Friday, November 25, 2022 3:30 PM
*To:* AnimalFarm Microwave Users Group
*Subject:* Re: [AFMUG] The Hartford claims
When I was starting up, its was hard to get anyone to respond or
get a quote out because of all the variables. Hartford was
recomended so i went with them. But it seems you dont have an
actual agent to talk to.
I've never had a claim before so I dont know the consequenses of
filing one.
On Fri, Nov 25, 2022, 3:03 PM Chuck McCown via AF
wrote:
I don’t use them. I have always used an independent insurance
agent that shop all the companies. My agent works for me and
tries to save me money. So there is never a risk to visit
about things. He also personally visits every single time
there is some change in policies. On the very few occasions I
have filed claims he fights for my case with whoever is
underwriting the claim.
*From:* Steve Jones
*Sent:* Friday, November 25, 2022 12:26 PM
*To:* AnimalFarm Microwave Users Group
*Subject:* [AFMUG] The Hartford claims
Any of you fine gents use the Hartford for general liability?
Is there some method to talk to an agent with these guys
without filing a claim? Calling just circles me to claims
agents, and they wont tell me anything.
Im just trying to find out what the impact of a small claim is
with these guys and whether its best to just pay out of pocket
if the liability does fall on me.
I dont want to save a couple grand out of pocket to have my
rates skyrocket or coverage cancelled since its a new account,
but then again, I pay for more coverage than I need for what I
do so its kind of a waste to not use it.
If any of you guys have filed a claim with them, how smooth is
the process?
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Re: [AFMUG] The Hartford claims
Mike understands that accidents happen On Mon, Nov 28, 2022 at 4:02 PM Mike Hammett wrote: > If you don't want your house to burn down in a boring accident, you'll buy > one, try it out, then tell Steve. > > > > - > Mike Hammett > Intelligent Computing Solutions <http://www.ics-il.com/> > <https://www.facebook.com/ICSIL> > <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> > <https://www.linkedin.com/company/intelligent-computing-solutions> > <https://twitter.com/ICSIL> > Midwest Internet Exchange <http://www.midwest-ix.com/> > <https://www.facebook.com/mdwestix> > <https://www.linkedin.com/company/midwest-internet-exchange> > <https://twitter.com/mdwestix> > The Brothers WISP <http://www.thebrotherswisp.com/> > <https://www.facebook.com/thebrotherswisp> > > > <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> > -- > *From: *"Chuck McCown via AF" > *To: *"AnimalFarm Microwave Users Group" > *Cc: *"Chuck McCown" > *Sent: *Monday, November 28, 2022 3:37:57 PM > *Subject: *Re: [AFMUG] The Hartford claims > > I would sure like to know how well those work. > > *From:* Steve Jones > *Sent:* Monday, November 28, 2022 2:29 PM > *To:* AnimalFarm Microwave Users Group > *Subject:* Re: [AFMUG] The Hartford claims > > I'm planning on getting an acoustic water line locating system, not today, > cause I'm still a startup whose poor, but hopefully sometime in 2023. > > On Mon, Nov 28, 2022, 1:13 PM Mike Hammett wrote: > >> Well right, so then the utility should locate up to the first building. I >> don't care if there's a valve under the sidewalk, that doesn't matter much. >> >> >> >> - >> Mike Hammett >> Intelligent Computing Solutions <http://www.ics-il.com/> >> <https://www.facebook.com/ICSIL> >> <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> >> <https://www.linkedin.com/company/intelligent-computing-solutions> >> <https://twitter.com/ICSIL> >> Midwest Internet Exchange <http://www.midwest-ix.com/> >> <https://www.facebook.com/mdwestix> >> <https://www.linkedin.com/company/midwest-internet-exchange> >> <https://twitter.com/mdwestix> >> The Brothers WISP <http://www.thebrotherswisp.com/> >> <https://www.facebook.com/thebrotherswisp> >> >> >> <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> >> -- >> *From: *"Steve Jones" >> *To: *"AnimalFarm Microwave Users Group" >> *Sent: *Monday, November 28, 2022 1:06:54 PM >> *Subject: *Re: [AFMUG] The Hartford claims >> >> the chicago utility code is deferred to on that, it muddies it by saying >> that homeowners arent directly responsible to be in the database solely by >> owning a property that contains underground utilities. it doesnt clarify >> though the responsibility and liability. Its good the because otherwise >> theyd be assessed a 100 dollar fine per day per utility thats not in the >> JULIE database like a utility owner. >> >> On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett wrote: >> >>> Around here, water and sewer waive any liability for anything other than >>> their mains. >>> >>> Somehow the residence is supposed to know how to locate their service >>> lines, be notified by 811, etc. >>> >>> >>> >>> - >>> Mike Hammett >>> Intelligent Computing Solutions <http://www.ics-il.com/> >>> <https://www.facebook.com/ICSIL> >>> <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> >>> <https://www.linkedin.com/company/intelligent-computing-solutions> >>> <https://twitter.com/ICSIL> >>> Midwest Internet Exchange <http://www.midwest-ix.com/> >>> <https://www.facebook.com/mdwestix> >>> <https://www.linkedin.com/company/midwest-internet-exchange> >>> <https://twitter.com/mdwestix> >>> The Brothers WISP <http://www.thebrotherswisp.com/> >>> <https://www.facebook.com/thebrotherswisp> >>> >>> >>> <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> >>> -- >>> *From: *"Josh Luthman" >>> *To: *"AnimalFarm Microwave Users Group" >>> *Sent: *Monday, November 28, 2022 10:47:04 AM >>> *Subject: *Re: [AFMUG] The Hartford claims >>> >>> If
Re: [AFMUG] The Hartford claims
If you don't want your house to burn down in a boring accident, you'll buy one, try it out, then tell Steve. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP - Original Message - From: "Chuck McCown via AF" To: "AnimalFarm Microwave Users Group" Cc: "Chuck McCown" Sent: Monday, November 28, 2022 3:37:57 PM Subject: Re: [AFMUG] The Hartford claims I would sure like to know how well those work. From: Steve Jones Sent: Monday, November 28, 2022 2:29 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims I'm planning on getting an acoustic water line locating system, not today, cause I'm still a startup whose poor, but hopefully sometime in 2023. On Mon, Nov 28, 2022, 1:13 PM Mike Hammett < af...@ics-il.net > wrote: Well right, so then the utility should locate up to the first building. I don't care if there's a valve under the sidewalk, that doesn't matter much. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP From: "Steve Jones" < thatoneguyst...@gmail.com > To: "AnimalFarm Microwave Users Group" < af@af.afmug.com > Sent: Monday, November 28, 2022 1:06:54 PM Subject: Re: [AFMUG] The Hartford claims the chicago utility code is deferred to on that, it muddies it by saying that homeowners arent directly responsible to be in the database solely by owning a property that contains underground utilities. it doesnt clarify though the responsibility and liability. Its good the because otherwise theyd be assessed a 100 dollar fine per day per utility thats not in the JULIE database like a utility owner. On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett < af...@ics-il.net > wrote: Around here, water and sewer waive any liability for anything other than their mains. Somehow the residence is supposed to know how to locate their service lines, be notified by 811, etc. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP From: "Josh Luthman" < j...@imaginenetworksllc.com > To: "AnimalFarm Microwave Users Group" < af@af.afmug.com > Sent: Monday, November 28, 2022 10:47:04 AM Subject: Re: [AFMUG] The Hartford claims If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones < st...@togservice.com > wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF < af@af.afmug.com > wrote: Generally I have video proof that they were not marked. -Original Message----- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones < thatoneguyst...@gmail.com > wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability
Re: [AFMUG] The Hartford claims
We don't really have that here, at least not much and definitely not in town. At least you can relatively easily locate the electrical service yourself if it looks like it might be there. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP - Original Message - From: "Chuck McCown via AF" To: "AnimalFarm Microwave Users Group" Cc: "Chuck McCown" Sent: Monday, November 28, 2022 3:35:11 PM Subject: Re: [AFMUG] The Hartford claims Same as power. Past the meter is not marked. Sometimes the meter is on a ped a long way from the house. From: Steve Jones Sent: Monday, November 28, 2022 12:02 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims past the valve is not water company. It wasnt marked. The underground utilities act is vague. Im not concerned about liability, its our liability cause we did it. We bumped a copper service line a few inches from a joint, it broke the solder and the joint failed a couple months later when ground heave started. That was a decision made at the beginning to not be one of those companies who damage peoples stuff and dont make it right. The only reason I drove 100 miles to inspect was to assess where we went wrong for future corrections, and to face time the resident who was out 2800 bucks and a water bill 3 weeks before christmas. I ended up filing the claim and will talk to the adjuster, if its gonna cost more in the long run or its gonna tie up the residents dough too long ill just pay it, Luckily the guy was not hosting thanksgiving so he opted to wait til friday when it was just overtime rate and not holiday rate otherwise it could have been a whole lot worse. I just wish it had failed when it happened when it would have been a straight time repair. We did blast an unmarked water main in this same neighborhood, that wasnt our liability, city fixed that, the crew was cool, best trash talkers i ever met. On Mon, Nov 28, 2022 at 10:48 AM Josh Luthman < j...@imaginenetworksllc.com > wrote: If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones < st...@togservice.com > wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF < af@af.afmug.com > wrote: Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $$ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones < thatoneguyst...@gmail.com > wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If a
Re: [AFMUG] The Hartford claims
Well right. They won't, but they should. Need a legislative change. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP - Original Message - From: "Chuck McCown via AF" To: "AnimalFarm Microwave Users Group" Cc: "Chuck McCown" Sent: Monday, November 28, 2022 3:37:37 PM Subject: Re: [AFMUG] The Hartford claims Good luck with that... From: Mike Hammett Sent: Monday, November 28, 2022 12:09 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims Well right, so then the utility should locate up to the first building. I don't care if there's a valve under the sidewalk, that doesn't matter much. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP - Original Message - From: "Steve Jones" To: "AnimalFarm Microwave Users Group" Sent: Monday, November 28, 2022 1:06:54 PM Subject: Re: [AFMUG] The Hartford claims the chicago utility code is deferred to on that, it muddies it by saying that homeowners arent directly responsible to be in the database solely by owning a property that contains underground utilities. it doesnt clarify though the responsibility and liability. Its good the because otherwise theyd be assessed a 100 dollar fine per day per utility thats not in the JULIE database like a utility owner. On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett < af...@ics-il.net > wrote: Around here, water and sewer waive any liability for anything other than their mains. Somehow the residence is supposed to know how to locate their service lines, be notified by 811, etc. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP From: "Josh Luthman" < j...@imaginenetworksllc.com > To: "AnimalFarm Microwave Users Group" < af@af.afmug.com > Sent: Monday, November 28, 2022 10:47:04 AM Subject: Re: [AFMUG] The Hartford claims If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones < st...@togservice.com > wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF < af@af.afmug.com > wrote: Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones < thatoneguyst...@gmail.com > wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If any of you guys have filed a claim with t
Re: [AFMUG] The Hartford claims
Good luck with that... From: Mike Hammett Sent: Monday, November 28, 2022 12:09 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims Well right, so then the utility should locate up to the first building. I don't care if there's a valve under the sidewalk, that doesn't matter much. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP From: "Steve Jones" To: "AnimalFarm Microwave Users Group" Sent: Monday, November 28, 2022 1:06:54 PM Subject: Re: [AFMUG] The Hartford claims the chicago utility code is deferred to on that, it muddies it by saying that homeowners arent directly responsible to be in the database solely by owning a property that contains underground utilities. it doesnt clarify though the responsibility and liability. Its good the because otherwise theyd be assessed a 100 dollar fine per day per utility thats not in the JULIE database like a utility owner. On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett wrote: Around here, water and sewer waive any liability for anything other than their mains. Somehow the residence is supposed to know how to locate their service lines, be notified by 811, etc. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP -- From: "Josh Luthman" To: "AnimalFarm Microwave Users Group" Sent: Monday, November 28, 2022 10:47:04 AM Subject: Re: [AFMUG] The Hartford claims If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF wrote: Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If any of you guys have filed a claim with them, how smooth is the > process? > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/
Re: [AFMUG] The Hartford claims
I would sure like to know how well those work.
From: Steve Jones
Sent: Monday, November 28, 2022 2:29 PM
To: AnimalFarm Microwave Users Group
Subject: Re: [AFMUG] The Hartford claims
I'm planning on getting an acoustic water line locating system, not today,
cause I'm still a startup whose poor, but hopefully sometime in 2023.
On Mon, Nov 28, 2022, 1:13 PM Mike Hammett wrote:
Well right, so then the utility should locate up to the first building. I
don't care if there's a valve under the sidewalk, that doesn't matter much.
-
Mike Hammett
Intelligent Computing Solutions
Midwest Internet Exchange
The Brothers WISP
--
From: "Steve Jones"
To: "AnimalFarm Microwave Users Group"
Sent: Monday, November 28, 2022 1:06:54 PM
Subject: Re: [AFMUG] The Hartford claims
the chicago utility code is deferred to on that, it muddies it by saying that
homeowners arent directly responsible to be in the database solely by owning a
property that contains underground utilities. it doesnt clarify though the
responsibility and liability. Its good the because otherwise theyd be assessed
a 100 dollar fine per day per utility thats not in the JULIE database like a
utility owner.
On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett wrote:
Around here, water and sewer waive any liability for anything other than
their mains.
Somehow the residence is supposed to know how to locate their service
lines, be notified by 811, etc.
-
Mike Hammett
Intelligent Computing Solutions
Midwest Internet Exchange
The Brothers WISP
From: "Josh Luthman"
To: "AnimalFarm Microwave Users Group"
Sent: Monday, November 28, 2022 10:47:04 AM
Subject: Re: [AFMUG] The Hartford claims
If it wasn't marked, I would push it to the water utility. If the customer
paid it already I'd question why they fixed it themselves instead of the water
company.
If it was marked and you hit it, you fucked up. Like TJ said - pay now or
pay later.
On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote:
This is a situation where a resident had toget the repair done and
already paid the bill.
I'd have negotiated with the plumber, maybe had luck, maybe not.
I could argue about the lack of paint, but then the consumer gets screwed.
Its 2800 and a water bill. Dont know how bad that will be but it filled a
ditch apparently.
Could have been worse because the resident could have had them come on
Thanksgiving instead of friday.
On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF wrote:
Generally I have video proof that they were not marked.
-Original Message-
From: Chris Fabien
Sent: Sunday, November 27, 2022 2:40 PM
To: AnimalFarm Microwave Users Group
Subject: Re: [AFMUG] The Hartford claims
We have Hartford but do not have any smallish claims like that to know
what their response would be. I would be more concerned about making
any claim as a brand new company / policyholder. What's the $ of the
damage in question. My general policy is for a damage that we were
really at fault, under maybe $3000ish I would just pay it. Same for a
damaged piece of equipment etc. Anything over $5k I would probably
make a claim. When we have had an at-fault claim, I have had success
in negotiating with the utility. Local power/gas co will knock off 25%
for prompt payment and asking nicely. Some utilities really inflate
the repair costs and others are very reasonable. If it's an inflated
bill I would have a discussion about that. We do get damage bills all
the time for telco cables that were mismarked and we hit and were not
at fault, those I tell them once we were not at fault and here is why
and then ignore them. Eventually they give up and stop bothering.
On Fri, Nov 25, 2022 at 2:32 PM Steve Jones
wrote:
>
> Any of you fine gents use the Hartford for general liability?
>
> Is there some method to talk to an agent with these guys without
filing a
> claim? Calling just circles me to claims agents, and they wont tell
me
> anything.
> Im just trying to find out what the impact of a small claim is with
these
> guys and whether its best to just pay out of pocket if the liability
does
> fall on me.
> I dont want to save a couple grand out of pocket to have my rates
> skyrocket or coverage cancelled since its a new account, but then
again, I
> pay for more coverage than I need for what I do so its kind of a
waste
Re: [AFMUG] The Hartford claims
Same as power. Past the meter is not marked. Sometimes the meter is on a ped a long way from the house. From: Steve Jones Sent: Monday, November 28, 2022 12:02 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims past the valve is not water company. It wasnt marked. The underground utilities act is vague. Im not concerned about liability, its our liability cause we did it. We bumped a copper service line a few inches from a joint, it broke the solder and the joint failed a couple months later when ground heave started. That was a decision made at the beginning to not be one of those companies who damage peoples stuff and dont make it right. The only reason I drove 100 miles to inspect was to assess where we went wrong for future corrections, and to face time the resident who was out 2800 bucks and a water bill 3 weeks before christmas. I ended up filing the claim and will talk to the adjuster, if its gonna cost more in the long run or its gonna tie up the residents dough too long ill just pay it, Luckily the guy was not hosting thanksgiving so he opted to wait til friday when it was just overtime rate and not holiday rate otherwise it could have been a whole lot worse. I just wish it had failed when it happened when it would have been a straight time repair. We did blast an unmarked water main in this same neighborhood, that wasnt our liability, city fixed that, the crew was cool, best trash talkers i ever met. On Mon, Nov 28, 2022 at 10:48 AM Josh Luthman wrote: If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF wrote: Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $$ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If any of you guys have filed a claim with them, how smooth is the > process? > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com --
Re: [AFMUG] The Hartford claims
I'm planning on getting an acoustic water line locating system, not today, cause I'm still a startup whose poor, but hopefully sometime in 2023. On Mon, Nov 28, 2022, 1:13 PM Mike Hammett wrote: > Well right, so then the utility should locate up to the first building. I > don't care if there's a valve under the sidewalk, that doesn't matter much. > > > > - > Mike Hammett > Intelligent Computing Solutions <http://www.ics-il.com/> > <https://www.facebook.com/ICSIL> > <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> > <https://www.linkedin.com/company/intelligent-computing-solutions> > <https://twitter.com/ICSIL> > Midwest Internet Exchange <http://www.midwest-ix.com/> > <https://www.facebook.com/mdwestix> > <https://www.linkedin.com/company/midwest-internet-exchange> > <https://twitter.com/mdwestix> > The Brothers WISP <http://www.thebrotherswisp.com/> > <https://www.facebook.com/thebrotherswisp> > > > <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> > ---------- > *From: *"Steve Jones" > *To: *"AnimalFarm Microwave Users Group" > *Sent: *Monday, November 28, 2022 1:06:54 PM > *Subject: *Re: [AFMUG] The Hartford claims > > the chicago utility code is deferred to on that, it muddies it by saying > that homeowners arent directly responsible to be in the database solely by > owning a property that contains underground utilities. it doesnt clarify > though the responsibility and liability. Its good the because otherwise > theyd be assessed a 100 dollar fine per day per utility thats not in the > JULIE database like a utility owner. > > On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett wrote: > >> Around here, water and sewer waive any liability for anything other than >> their mains. >> >> Somehow the residence is supposed to know how to locate their service >> lines, be notified by 811, etc. >> >> >> >> - >> Mike Hammett >> Intelligent Computing Solutions <http://www.ics-il.com/> >> <https://www.facebook.com/ICSIL> >> <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> >> <https://www.linkedin.com/company/intelligent-computing-solutions> >> <https://twitter.com/ICSIL> >> Midwest Internet Exchange <http://www.midwest-ix.com/> >> <https://www.facebook.com/mdwestix> >> <https://www.linkedin.com/company/midwest-internet-exchange> >> <https://twitter.com/mdwestix> >> The Brothers WISP <http://www.thebrotherswisp.com/> >> <https://www.facebook.com/thebrotherswisp> >> >> >> <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> >> -- >> *From: *"Josh Luthman" >> *To: *"AnimalFarm Microwave Users Group" >> *Sent: *Monday, November 28, 2022 10:47:04 AM >> *Subject: *Re: [AFMUG] The Hartford claims >> >> If it wasn't marked, I would push it to the water utility. If the >> customer paid it already I'd question why they fixed it themselves instead >> of the water company. >> >> If it was marked and you hit it, you fucked up. Like TJ said - pay now >> or pay later. >> >> On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: >> >>> This is a situation where a resident had toget the repair done and >>> already paid the bill. >>> I'd have negotiated with the plumber, maybe had luck, maybe not. >>> I could argue about the lack of paint, but then the consumer gets >>> screwed. >>> Its 2800 and a water bill. Dont know how bad that will be but it filled >>> a ditch apparently. >>> Could have been worse because the resident could have had them come on >>> Thanksgiving instead of friday. >>> >>> On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF >>> wrote: >>> >>>> Generally I have video proof that they were not marked. >>>> >>>> -Original Message- >>>> From: Chris Fabien >>>> Sent: Sunday, November 27, 2022 2:40 PM >>>> To: AnimalFarm Microwave Users Group >>>> Subject: Re: [AFMUG] The Hartford claims >>>> >>>> We have Hartford but do not have any smallish claims like that to know >>>> what their response would be. I would be more concerned about making >>>> any claim as a brand new company / policyholder. What's the $ of the >>>> damage in question. My general policy is for a damage that we were >>>> really at fault, under maybe $3000ish
Re: [AFMUG] The Hartford claims
Well right, so then the utility should locate up to the first building. I don't care if there's a valve under the sidewalk, that doesn't matter much. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP - Original Message - From: "Steve Jones" To: "AnimalFarm Microwave Users Group" Sent: Monday, November 28, 2022 1:06:54 PM Subject: Re: [AFMUG] The Hartford claims the chicago utility code is deferred to on that, it muddies it by saying that homeowners arent directly responsible to be in the database solely by owning a property that contains underground utilities. it doesnt clarify though the responsibility and liability. Its good the because otherwise theyd be assessed a 100 dollar fine per day per utility thats not in the JULIE database like a utility owner. On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett < af...@ics-il.net > wrote: Around here, water and sewer waive any liability for anything other than their mains. Somehow the residence is supposed to know how to locate their service lines, be notified by 811, etc. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP From: "Josh Luthman" < j...@imaginenetworksllc.com > To: "AnimalFarm Microwave Users Group" < af@af.afmug.com > Sent: Monday, November 28, 2022 10:47:04 AM Subject: Re: [AFMUG] The Hartford claims If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones < st...@togservice.com > wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF < af@af.afmug.com > wrote: Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones < thatoneguyst...@gmail.com > wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If any of you guys have filed a claim with them, how smooth is the > process? > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/
Re: [AFMUG] The Hartford claims
the chicago utility code is deferred to on that, it muddies it by saying that homeowners arent directly responsible to be in the database solely by owning a property that contains underground utilities. it doesnt clarify though the responsibility and liability. Its good the because otherwise theyd be assessed a 100 dollar fine per day per utility thats not in the JULIE database like a utility owner. On Mon, Nov 28, 2022 at 10:56 AM Mike Hammett wrote: > Around here, water and sewer waive any liability for anything other than > their mains. > > Somehow the residence is supposed to know how to locate their service > lines, be notified by 811, etc. > > > > - > Mike Hammett > Intelligent Computing Solutions <http://www.ics-il.com/> > <https://www.facebook.com/ICSIL> > <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> > <https://www.linkedin.com/company/intelligent-computing-solutions> > <https://twitter.com/ICSIL> > Midwest Internet Exchange <http://www.midwest-ix.com/> > <https://www.facebook.com/mdwestix> > <https://www.linkedin.com/company/midwest-internet-exchange> > <https://twitter.com/mdwestix> > The Brothers WISP <http://www.thebrotherswisp.com/> > <https://www.facebook.com/thebrotherswisp> > > > <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> > ---------- > *From: *"Josh Luthman" > *To: *"AnimalFarm Microwave Users Group" > *Sent: *Monday, November 28, 2022 10:47:04 AM > *Subject: *Re: [AFMUG] The Hartford claims > > If it wasn't marked, I would push it to the water utility. If the > customer paid it already I'd question why they fixed it themselves instead > of the water company. > > If it was marked and you hit it, you fucked up. Like TJ said - pay now or > pay later. > > On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: > >> This is a situation where a resident had toget the repair done and >> already paid the bill. >> I'd have negotiated with the plumber, maybe had luck, maybe not. >> I could argue about the lack of paint, but then the consumer gets screwed. >> Its 2800 and a water bill. Dont know how bad that will be but it filled a >> ditch apparently. >> Could have been worse because the resident could have had them come on >> Thanksgiving instead of friday. >> >> On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF >> wrote: >> >>> Generally I have video proof that they were not marked. >>> >>> -Original Message- >>> From: Chris Fabien >>> Sent: Sunday, November 27, 2022 2:40 PM >>> To: AnimalFarm Microwave Users Group >>> Subject: Re: [AFMUG] The Hartford claims >>> >>> We have Hartford but do not have any smallish claims like that to know >>> what their response would be. I would be more concerned about making >>> any claim as a brand new company / policyholder. What's the $ of the >>> damage in question. My general policy is for a damage that we were >>> really at fault, under maybe $3000ish I would just pay it. Same for a >>> damaged piece of equipment etc. Anything over $5k I would probably >>> make a claim. When we have had an at-fault claim, I have had success >>> in negotiating with the utility. Local power/gas co will knock off 25% >>> for prompt payment and asking nicely. Some utilities really inflate >>> the repair costs and others are very reasonable. If it's an inflated >>> bill I would have a discussion about that. We do get damage bills all >>> the time for telco cables that were mismarked and we hit and were not >>> at fault, those I tell them once we were not at fault and here is why >>> and then ignore them. Eventually they give up and stop bothering. >>> >>> >>> On Fri, Nov 25, 2022 at 2:32 PM Steve Jones >>> wrote: >>> > >>> > Any of you fine gents use the Hartford for general liability? >>> > >>> > Is there some method to talk to an agent with these guys without >>> filing a >>> > claim? Calling just circles me to claims agents, and they wont tell me >>> > anything. >>> > Im just trying to find out what the impact of a small claim is with >>> these >>> > guys and whether its best to just pay out of pocket if the liability >>> does >>> > fall on me. >>> > I dont want to save a couple grand out of pocket to have my rates >>> > skyrocket or coverage cancelled since its a new account, but then >>> again, I >>> > pay for more co
Re: [AFMUG] The Hartford claims
past the valve is not water company. It wasnt marked. The underground utilities act is vague. Im not concerned about liability, its our liability cause we did it. We bumped a copper service line a few inches from a joint, it broke the solder and the joint failed a couple months later when ground heave started. That was a decision made at the beginning to not be one of those companies who damage peoples stuff and dont make it right. The only reason I drove 100 miles to inspect was to assess where we went wrong for future corrections, and to face time the resident who was out 2800 bucks and a water bill 3 weeks before christmas. I ended up filing the claim and will talk to the adjuster, if its gonna cost more in the long run or its gonna tie up the residents dough too long ill just pay it, Luckily the guy was not hosting thanksgiving so he opted to wait til friday when it was just overtime rate and not holiday rate otherwise it could have been a whole lot worse. I just wish it had failed when it happened when it would have been a straight time repair. We did blast an unmarked water main in this same neighborhood, that wasnt our liability, city fixed that, the crew was cool, best trash talkers i ever met. On Mon, Nov 28, 2022 at 10:48 AM Josh Luthman wrote: > If it wasn't marked, I would push it to the water utility. If the > customer paid it already I'd question why they fixed it themselves instead > of the water company. > > If it was marked and you hit it, you fucked up. Like TJ said - pay now or > pay later. > > On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: > >> This is a situation where a resident had toget the repair done and >> already paid the bill. >> I'd have negotiated with the plumber, maybe had luck, maybe not. >> I could argue about the lack of paint, but then the consumer gets screwed. >> Its 2800 and a water bill. Dont know how bad that will be but it filled a >> ditch apparently. >> Could have been worse because the resident could have had them come on >> Thanksgiving instead of friday. >> >> On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF >> wrote: >> >>> Generally I have video proof that they were not marked. >>> >>> -Original Message----- >>> From: Chris Fabien >>> Sent: Sunday, November 27, 2022 2:40 PM >>> To: AnimalFarm Microwave Users Group >>> Subject: Re: [AFMUG] The Hartford claims >>> >>> We have Hartford but do not have any smallish claims like that to know >>> what their response would be. I would be more concerned about making >>> any claim as a brand new company / policyholder. What's the $$ of the >>> damage in question. My general policy is for a damage that we were >>> really at fault, under maybe $3000ish I would just pay it. Same for a >>> damaged piece of equipment etc. Anything over $5k I would probably >>> make a claim. When we have had an at-fault claim, I have had success >>> in negotiating with the utility. Local power/gas co will knock off 25% >>> for prompt payment and asking nicely. Some utilities really inflate >>> the repair costs and others are very reasonable. If it's an inflated >>> bill I would have a discussion about that. We do get damage bills all >>> the time for telco cables that were mismarked and we hit and were not >>> at fault, those I tell them once we were not at fault and here is why >>> and then ignore them. Eventually they give up and stop bothering. >>> >>> >>> On Fri, Nov 25, 2022 at 2:32 PM Steve Jones >>> wrote: >>> > >>> > Any of you fine gents use the Hartford for general liability? >>> > >>> > Is there some method to talk to an agent with these guys without >>> filing a >>> > claim? Calling just circles me to claims agents, and they wont tell me >>> > anything. >>> > Im just trying to find out what the impact of a small claim is with >>> these >>> > guys and whether its best to just pay out of pocket if the liability >>> does >>> > fall on me. >>> > I dont want to save a couple grand out of pocket to have my rates >>> > skyrocket or coverage cancelled since its a new account, but then >>> again, I >>> > pay for more coverage than I need for what I do so its kind of a waste >>> to >>> > not use it. >>> > >>> > If any of you guys have filed a claim with them, how smooth is the >>> > process? >>> > -- >>> > AF mailing list >>> > AF@af.afmug.com >>> > http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>> >>> -- >>> AF mailing list >>> AF@af.afmug.com >>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>> >>> >>> -- >>> AF mailing list >>> AF@af.afmug.com >>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>> >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
I read it as it get hit between the meter and the house. If that is the case My water company will not have to fix that. On Mon, Nov 28, 2022, 11:49 AM Josh Luthman wrote: > If it wasn't marked, I would push it to the water utility. If the > customer paid it already I'd question why they fixed it themselves instead > of the water company. > > If it was marked and you hit it, you fucked up. Like TJ said - pay now or > pay later. > > On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: > >> This is a situation where a resident had toget the repair done and >> already paid the bill. >> I'd have negotiated with the plumber, maybe had luck, maybe not. >> I could argue about the lack of paint, but then the consumer gets screwed. >> Its 2800 and a water bill. Dont know how bad that will be but it filled a >> ditch apparently. >> Could have been worse because the resident could have had them come on >> Thanksgiving instead of friday. >> >> On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF >> wrote: >> >>> Generally I have video proof that they were not marked. >>> >>> -Original Message----- >>> From: Chris Fabien >>> Sent: Sunday, November 27, 2022 2:40 PM >>> To: AnimalFarm Microwave Users Group >>> Subject: Re: [AFMUG] The Hartford claims >>> >>> We have Hartford but do not have any smallish claims like that to know >>> what their response would be. I would be more concerned about making >>> any claim as a brand new company / policyholder. What's the $$ of the >>> damage in question. My general policy is for a damage that we were >>> really at fault, under maybe $3000ish I would just pay it. Same for a >>> damaged piece of equipment etc. Anything over $5k I would probably >>> make a claim. When we have had an at-fault claim, I have had success >>> in negotiating with the utility. Local power/gas co will knock off 25% >>> for prompt payment and asking nicely. Some utilities really inflate >>> the repair costs and others are very reasonable. If it's an inflated >>> bill I would have a discussion about that. We do get damage bills all >>> the time for telco cables that were mismarked and we hit and were not >>> at fault, those I tell them once we were not at fault and here is why >>> and then ignore them. Eventually they give up and stop bothering. >>> >>> >>> On Fri, Nov 25, 2022 at 2:32 PM Steve Jones >>> wrote: >>> > >>> > Any of you fine gents use the Hartford for general liability? >>> > >>> > Is there some method to talk to an agent with these guys without >>> filing a >>> > claim? Calling just circles me to claims agents, and they wont tell me >>> > anything. >>> > Im just trying to find out what the impact of a small claim is with >>> these >>> > guys and whether its best to just pay out of pocket if the liability >>> does >>> > fall on me. >>> > I dont want to save a couple grand out of pocket to have my rates >>> > skyrocket or coverage cancelled since its a new account, but then >>> again, I >>> > pay for more coverage than I need for what I do so its kind of a waste >>> to >>> > not use it. >>> > >>> > If any of you guys have filed a claim with them, how smooth is the >>> > process? >>> > -- >>> > AF mailing list >>> > AF@af.afmug.com >>> > http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>> >>> -- >>> AF mailing list >>> AF@af.afmug.com >>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>> >>> >>> -- >>> AF mailing list >>> AF@af.afmug.com >>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>> >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
Around here, water and sewer waive any liability for anything other than their mains. Somehow the residence is supposed to know how to locate their service lines, be notified by 811, etc. - Mike Hammett Intelligent Computing Solutions Midwest Internet Exchange The Brothers WISP - Original Message - From: "Josh Luthman" To: "AnimalFarm Microwave Users Group" Sent: Monday, November 28, 2022 10:47:04 AM Subject: Re: [AFMUG] The Hartford claims If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones < st...@togservice.com > wrote: This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF < af@af.afmug.com > wrote: Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $$ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones < thatoneguyst...@gmail.com > wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If any of you guys have filed a claim with them, how smooth is the > process? > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
If it wasn't marked, I would push it to the water utility. If the customer paid it already I'd question why they fixed it themselves instead of the water company. If it was marked and you hit it, you fucked up. Like TJ said - pay now or pay later. On Sun, Nov 27, 2022 at 7:27 PM Steve Jones wrote: > This is a situation where a resident had toget the repair done and already > paid the bill. > I'd have negotiated with the plumber, maybe had luck, maybe not. > I could argue about the lack of paint, but then the consumer gets screwed. > Its 2800 and a water bill. Dont know how bad that will be but it filled a > ditch apparently. > Could have been worse because the resident could have had them come on > Thanksgiving instead of friday. > > On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF wrote: > >> Generally I have video proof that they were not marked. >> >> -Original Message- >> From: Chris Fabien >> Sent: Sunday, November 27, 2022 2:40 PM >> To: AnimalFarm Microwave Users Group >> Subject: Re: [AFMUG] The Hartford claims >> >> We have Hartford but do not have any smallish claims like that to know >> what their response would be. I would be more concerned about making >> any claim as a brand new company / policyholder. What's the $$ of the >> damage in question. My general policy is for a damage that we were >> really at fault, under maybe $3000ish I would just pay it. Same for a >> damaged piece of equipment etc. Anything over $5k I would probably >> make a claim. When we have had an at-fault claim, I have had success >> in negotiating with the utility. Local power/gas co will knock off 25% >> for prompt payment and asking nicely. Some utilities really inflate >> the repair costs and others are very reasonable. If it's an inflated >> bill I would have a discussion about that. We do get damage bills all >> the time for telco cables that were mismarked and we hit and were not >> at fault, those I tell them once we were not at fault and here is why >> and then ignore them. Eventually they give up and stop bothering. >> >> >> On Fri, Nov 25, 2022 at 2:32 PM Steve Jones >> wrote: >> > >> > Any of you fine gents use the Hartford for general liability? >> > >> > Is there some method to talk to an agent with these guys without filing >> a >> > claim? Calling just circles me to claims agents, and they wont tell me >> > anything. >> > Im just trying to find out what the impact of a small claim is with >> these >> > guys and whether its best to just pay out of pocket if the liability >> does >> > fall on me. >> > I dont want to save a couple grand out of pocket to have my rates >> > skyrocket or coverage cancelled since its a new account, but then >> again, I >> > pay for more coverage than I need for what I do so its kind of a waste >> to >> > not use it. >> > >> > If any of you guys have filed a claim with them, how smooth is the >> > process? >> > -- >> > AF mailing list >> > AF@af.afmug.com >> > http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> >> >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
Every time I've made a claim on any policy it has resulted in a premium increase at renewal, pay now or pay later it seems. On Sun, Nov 27, 2022, 4:26 PM Steve Jones wrote: > This is a situation where a resident had toget the repair done and already > paid the bill. > I'd have negotiated with the plumber, maybe had luck, maybe not. > I could argue about the lack of paint, but then the consumer gets screwed. > Its 2800 and a water bill. Dont know how bad that will be but it filled a > ditch apparently. > Could have been worse because the resident could have had them come on > Thanksgiving instead of friday. > > On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF wrote: > >> Generally I have video proof that they were not marked. >> >> -Original Message- >> From: Chris Fabien >> Sent: Sunday, November 27, 2022 2:40 PM >> To: AnimalFarm Microwave Users Group >> Subject: Re: [AFMUG] The Hartford claims >> >> We have Hartford but do not have any smallish claims like that to know >> what their response would be. I would be more concerned about making >> any claim as a brand new company / policyholder. What's the $$ of the >> damage in question. My general policy is for a damage that we were >> really at fault, under maybe $3000ish I would just pay it. Same for a >> damaged piece of equipment etc. Anything over $5k I would probably >> make a claim. When we have had an at-fault claim, I have had success >> in negotiating with the utility. Local power/gas co will knock off 25% >> for prompt payment and asking nicely. Some utilities really inflate >> the repair costs and others are very reasonable. If it's an inflated >> bill I would have a discussion about that. We do get damage bills all >> the time for telco cables that were mismarked and we hit and were not >> at fault, those I tell them once we were not at fault and here is why >> and then ignore them. Eventually they give up and stop bothering. >> >> >> On Fri, Nov 25, 2022 at 2:32 PM Steve Jones >> wrote: >> > >> > Any of you fine gents use the Hartford for general liability? >> > >> > Is there some method to talk to an agent with these guys without filing >> a >> > claim? Calling just circles me to claims agents, and they wont tell me >> > anything. >> > Im just trying to find out what the impact of a small claim is with >> these >> > guys and whether its best to just pay out of pocket if the liability >> does >> > fall on me. >> > I dont want to save a couple grand out of pocket to have my rates >> > skyrocket or coverage cancelled since its a new account, but then >> again, I >> > pay for more coverage than I need for what I do so its kind of a waste >> to >> > not use it. >> > >> > If any of you guys have filed a claim with them, how smooth is the >> > process? >> > -- >> > AF mailing list >> > AF@af.afmug.com >> > http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> >> >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
This is a situation where a resident had toget the repair done and already paid the bill. I'd have negotiated with the plumber, maybe had luck, maybe not. I could argue about the lack of paint, but then the consumer gets screwed. Its 2800 and a water bill. Dont know how bad that will be but it filled a ditch apparently. Could have been worse because the resident could have had them come on Thanksgiving instead of friday. On Sun, Nov 27, 2022, 3:52 PM Chuck McCown via AF wrote: > Generally I have video proof that they were not marked. > > -Original Message- > From: Chris Fabien > Sent: Sunday, November 27, 2022 2:40 PM > To: AnimalFarm Microwave Users Group > Subject: Re: [AFMUG] The Hartford claims > > We have Hartford but do not have any smallish claims like that to know > what their response would be. I would be more concerned about making > any claim as a brand new company / policyholder. What's the $$ of the > damage in question. My general policy is for a damage that we were > really at fault, under maybe $3000ish I would just pay it. Same for a > damaged piece of equipment etc. Anything over $5k I would probably > make a claim. When we have had an at-fault claim, I have had success > in negotiating with the utility. Local power/gas co will knock off 25% > for prompt payment and asking nicely. Some utilities really inflate > the repair costs and others are very reasonable. If it's an inflated > bill I would have a discussion about that. We do get damage bills all > the time for telco cables that were mismarked and we hit and were not > at fault, those I tell them once we were not at fault and here is why > and then ignore them. Eventually they give up and stop bothering. > > > On Fri, Nov 25, 2022 at 2:32 PM Steve Jones > wrote: > > > > Any of you fine gents use the Hartford for general liability? > > > > Is there some method to talk to an agent with these guys without filing > a > > claim? Calling just circles me to claims agents, and they wont tell me > > anything. > > Im just trying to find out what the impact of a small claim is with > these > > guys and whether its best to just pay out of pocket if the liability > does > > fall on me. > > I dont want to save a couple grand out of pocket to have my rates > > skyrocket or coverage cancelled since its a new account, but then again, > I > > pay for more coverage than I need for what I do so its kind of a waste > to > > not use it. > > > > If any of you guys have filed a claim with them, how smooth is the > > process? > > -- > > AF mailing list > > AF@af.afmug.com > > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > > > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
Generally I have video proof that they were not marked. -Original Message- From: Chris Fabien Sent: Sunday, November 27, 2022 2:40 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $$ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones wrote: Any of you fine gents use the Hartford for general liability? Is there some method to talk to an agent with these guys without filing a claim? Calling just circles me to claims agents, and they wont tell me anything. Im just trying to find out what the impact of a small claim is with these guys and whether its best to just pay out of pocket if the liability does fall on me. I dont want to save a couple grand out of pocket to have my rates skyrocket or coverage cancelled since its a new account, but then again, I pay for more coverage than I need for what I do so its kind of a waste to not use it. If any of you guys have filed a claim with them, how smooth is the process? -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $$ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering. On Fri, Nov 25, 2022 at 2:32 PM Steve Jones wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates skyrocket > or coverage cancelled since its a new account, but then again, I pay for more > coverage than I need for what I do so its kind of a waste to not use it. > > If any of you guys have filed a claim with them, how smooth is the process? > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
Inland marine is on the 2023 agenda, I'm not a rich utah mormon like you where everything is made of gold, so I had to take baby steps. That,of course depends on how many more of these "hey you damaged" emails I get before then. I do feel bad for this guy, water apparently got bumped a few months back, just enough to crack a fitting. It puked this week. So water got shut off Wednesday and repaired today. I'm hoping he didnt host Thanksgiving. I'm going there tommorrow to verify it was us. I cant see that it wasnt based on what appears to be the pipe we put in in the pictures. Invoice lists overtime, so I assume its holiday weekend pay That made the bill so high On Fri, Nov 25, 2022, 5:34 PM Chuck McCown via AF wrote: > I filed 2-3 claims, all on our Inland Marine Policy. We had a reel > trailer get stolen, we backed over our Underground Magnetics locator. Both > large claims. The policy did not increase afterwards. > > And we have had the odd workers comp claim now and then. > > And on our GL policy we had workers hit peoples parked cars a few times. > Nothing major. And I don’t recall the premium ever increasing for any of > them. But I have had many years of coverage so a pretty good record. I > highly recommend Inland Marine if you can afford it. It covers people > stealing from the back of your truck. It covers the machines on the > trailers if they get stolen or damaged during a wreck. Your regular auto > insurance will not do that. > > *From:* Steve Jones > *Sent:* Friday, November 25, 2022 3:30 PM > *To:* AnimalFarm Microwave Users Group > *Subject:* Re: [AFMUG] The Hartford claims > > When I was starting up, its was hard to get anyone to respond or get a > quote out because of all the variables. Hartford was recomended so i went > with them. But it seems you dont have an actual agent to talk to. > > I've never had a claim before so I dont know the consequenses of filing > one. > > > On Fri, Nov 25, 2022, 3:03 PM Chuck McCown via AF wrote: > >> I don’t use them. I have always used an independent insurance agent that >> shop all the companies. My agent works for me and tries to save me money. >> So there is never a risk to visit about things. He also personally visits >> every single time there is some change in policies. On the very few >> occasions I have filed claims he fights for my case with whoever is >> underwriting the claim. >> >> *From:* Steve Jones >> *Sent:* Friday, November 25, 2022 12:26 PM >> *To:* AnimalFarm Microwave Users Group >> *Subject:* [AFMUG] The Hartford claims >> >> Any of you fine gents use the Hartford for general liability? >> >> Is there some method to talk to an agent with these guys without filing a >> claim? Calling just circles me to claims agents, and they wont tell me >> anything. >> Im just trying to find out what the impact of a small claim is with these >> guys and whether its best to just pay out of pocket if the liability does >> fall on me. >> I dont want to save a couple grand out of pocket to have my rates >> skyrocket or coverage cancelled since its a new account, but then again, I >> pay for more coverage than I need for what I do so its kind of a waste to >> not use it. >> >> If any of you guys have filed a claim with them, how smooth is the >> process? >> >> -- >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> -- >> AF mailing list >> AF@af.afmug.com >> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >> > -- > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
I filed 2-3 claims, all on our Inland Marine Policy. We had a reel trailer get stolen, we backed over our Underground Magnetics locator. Both large claims. The policy did not increase afterwards. And we have had the odd workers comp claim now and then. And on our GL policy we had workers hit peoples parked cars a few times. Nothing major. And I don’t recall the premium ever increasing for any of them. But I have had many years of coverage so a pretty good record. I highly recommend Inland Marine if you can afford it. It covers people stealing from the back of your truck. It covers the machines on the trailers if they get stolen or damaged during a wreck. Your regular auto insurance will not do that. From: Steve Jones Sent: Friday, November 25, 2022 3:30 PM To: AnimalFarm Microwave Users Group Subject: Re: [AFMUG] The Hartford claims When I was starting up, its was hard to get anyone to respond or get a quote out because of all the variables. Hartford was recomended so i went with them. But it seems you dont have an actual agent to talk to. I've never had a claim before so I dont know the consequenses of filing one. On Fri, Nov 25, 2022, 3:03 PM Chuck McCown via AF wrote: I don’t use them. I have always used an independent insurance agent that shop all the companies. My agent works for me and tries to save me money. So there is never a risk to visit about things. He also personally visits every single time there is some change in policies. On the very few occasions I have filed claims he fights for my case with whoever is underwriting the claim. From: Steve Jones Sent: Friday, November 25, 2022 12:26 PM To: AnimalFarm Microwave Users Group Subject: [AFMUG] The Hartford claims Any of you fine gents use the Hartford for general liability? Is there some method to talk to an agent with these guys without filing a claim? Calling just circles me to claims agents, and they wont tell me anything. Im just trying to find out what the impact of a small claim is with these guys and whether its best to just pay out of pocket if the liability does fall on me. I dont want to save a couple grand out of pocket to have my rates skyrocket or coverage cancelled since its a new account, but then again, I pay for more coverage than I need for what I do so its kind of a waste to not use it. If any of you guys have filed a claim with them, how smooth is the process? -- -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
When I was starting up, its was hard to get anyone to respond or get a quote out because of all the variables. Hartford was recomended so i went with them. But it seems you dont have an actual agent to talk to. I've never had a claim before so I dont know the consequenses of filing one. On Fri, Nov 25, 2022, 3:03 PM Chuck McCown via AF wrote: > I don’t use them. I have always used an independent insurance agent that > shop all the companies. My agent works for me and tries to save me money. > So there is never a risk to visit about things. He also personally visits > every single time there is some change in policies. On the very few > occasions I have filed claims he fights for my case with whoever is > underwriting the claim. > > *From:* Steve Jones > *Sent:* Friday, November 25, 2022 12:26 PM > *To:* AnimalFarm Microwave Users Group > *Subject:* [AFMUG] The Hartford claims > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates > skyrocket or coverage cancelled since its a new account, but then again, I > pay for more coverage than I need for what I do so its kind of a waste to > not use it. > > If any of you guys have filed a claim with them, how smooth is the process? > > -- > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com > -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
Re: [AFMUG] The Hartford claims
I don’t use them. I have always used an independent insurance agent that shop all the companies. My agent works for me and tries to save me money. So there is never a risk to visit about things. He also personally visits every single time there is some change in policies. On the very few occasions I have filed claims he fights for my case with whoever is underwriting the claim. From: Steve Jones Sent: Friday, November 25, 2022 12:26 PM To: AnimalFarm Microwave Users Group Subject: [AFMUG] The Hartford claims Any of you fine gents use the Hartford for general liability? Is there some method to talk to an agent with these guys without filing a claim? Calling just circles me to claims agents, and they wont tell me anything. Im just trying to find out what the impact of a small claim is with these guys and whether its best to just pay out of pocket if the liability does fall on me. I dont want to save a couple grand out of pocket to have my rates skyrocket or coverage cancelled since its a new account, but then again, I pay for more coverage than I need for what I do so its kind of a waste to not use it. If any of you guys have filed a claim with them, how smooth is the process? -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
