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20207 Surly 1%About C-Man
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Home Owners, Auto Insurance, and Related Stuff
C-Man replied to Anastasis's topic in Can You Help Me With This?
I think you can trace USAA’s decline to when it loosened eligibility requirements. Yes, we’re licensed in all 50 states. Colorado can be tricky depending on where you are due to risk of wildfire. What is the dwelling value of your home? Chubb had a record year in 2023. It’s been raising rates at a slower rate than others — and was already the highest priced in most cases — but ‘23 was the first year it didn’t have a negative loss ratio in quite a few years. -
It’s not the real PGA Tour account but I think it’s retweeting a real TrumpGolf Instagram post. https://www.instagram.com/reel/CufLYyCLC_T/?igsh=MzRlODBiNWFlZA==
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I mean she was bluer than Violet Beauregard in Wonka by the end of things.
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Home Owners, Auto Insurance, and Related Stuff
C-Man replied to Anastasis's topic in Can You Help Me With This?
Shoot me an address off-line and I can take a quick look. Cincinnati has a very nice new program that caters to mass affluent market. Min Cov A for eligibility is $1M in North Texas but honestly that isn't hard to get to these days. Probably not a less expensive program than Liberty Mutual but the coverage will be vastly superior across all lines. -
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Home Owners, Auto Insurance, and Related Stuff
C-Man replied to Anastasis's topic in Can You Help Me With This?
What is the Dwelling/Coverage A for your home currently? We don't have many North Texas solutions for homes under $1M. I have a "middle market" expert in our Plano office, who might be able to help on under $1M properties. It's pretty much Safeco (owned by Liberty Mutual -- and 99 times out of a 100 more expensive than LM) or Travelers these days. At least for $1M+ (even more so on $2M+), we have potential solutions in the "high net worth" marketplace. The coverage and claims are substantially better so at least you're getting a better experience for your insurance dollar (it might be a few more up-front dollars but you'll get much, much more on a claim with these carriers than you would on middle market or direct writers). Have heard the same stories about USAA. They're still priced extremely well for the most part, though, especially on the auto side. -
The Republican Civil War - it will be because we destroyed ourselves
C-Man replied to tx 3 putt's topic in Cloak Room
Went to see Dune 2 with my son on Friday afternoon and one the trailers caught my eye -- "Civil War." Guess I've been living under a rock because I had no idea this flick was coming. Thoughts? Terrible timing? Master class in movie release timely-ness? One of the "quotes" from the Hollywood Reporter article really puts a This-is-our-concern, Dude bow on the situation: https://www.hollywoodreporter.com/movies/movie-news/alex-garland-civil-war-release-timing-1235852725/ -
Anybody watch the three-part documentary "Love Has Won: The Cult of Mother God"? A buddy watched is last week and said it was pretty wild so we fired it up this weekend and blew through it. My ex-wife believed/s in some of the same shit and even went on a spiritual retreat to Mt Shasta back in 2018 when this group was there. I don't my ex was a direct follower of Mother God, mostly because of the substantial use of drugs/booze by Mother God. At any rate, it's a breezy 3-hour trip.
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Home Owners, Auto Insurance, and Related Stuff
C-Man replied to Anastasis's topic in Can You Help Me With This?
I get it. It's brutal as I've discussed in this thread. The truth of the matter is that the frequency of major weather-related insurance events has been on the rise for decades. Cost of materials has gone up substantially and there's a shortage of skilled labor in the housing market so costs have skyrocketed there as well. The reinsurance markets are perhaps the biggest issue right now. The US has sustained 377 weather and climate disasters since 1980 with overall damage/costs reaching or exceeding $1B/event. Total cost of those 377 events is north of $2.67 trillion. But these increases are not sustainable, not without a commensurate increase in wages, etc. https://www.ncei.noaa.gov/access/billions/ -
Home Owners, Auto Insurance, and Related Stuff
C-Man replied to Anastasis's topic in Can You Help Me With This?
I’m speaking from a much broader claims perspective than just roofing claims. I’m talking about ALL claims. Good idea to discuss with agent, assuming they’re independent, to get a sense of what filing a claim could do. We also like to talk through smaller claims so they don’t wind up with death-by-paper-cuts. -
Went there when I was in Longview covering a girls basketball tournament back around 2000 or so. It was pretty good at the time but Franklin’s bbq revival hadn’t begun yet. And, yes, it turns into a roadhouse/bar/scrip club after dark, I think.
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Asteroid City--Wes Anderson director, release June 16 & June 23rd
C-Man replied to Mrs Whiggins's topic in Movies and TV
Yeah, I love both those movies. -
Is the seventh one any good? I read that Herbert’s kid and another guy wrote it off Herbert’s notes/plans after he’d died.
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Home Owners, Auto Insurance, and Related Stuff
C-Man replied to Anastasis's topic in Can You Help Me With This?
Hard to say if that that mattered but I absolutely advise people to call their agent before filing claims these days. As a non-sequitur, Travelers is not offering property on Kia or Hyundais between a certain year range (like 2013-2018, I can't remember) because there was a TikTok "challenge" to steal these fucking cars. -
I'm starting to get really fucking worried about what happens in November because I think Trump will lose but he (and his shitstain supporters) won't accept the result.
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