All’s fair in love and insurance

We were informed in May that our current insurance company would be dropping us effective September 13th. So we did what we could to get Homeowner’s insurance, calling dozens of companies and getting an emphatic “No, we are not writing new policies for your area.”

We were stuck applying with LA Citizens and went through the necessary paperwork and inspections. And now we are just waiting. And the waiting is killing me because according to LA Citizens they have not even processed our policy and have no idea when it will get processed. It’s been two months since they’ve had our final paperwork and money and still no policy. I was reassured that as soon as they process the final paperwork, it will be effective the day after it was postmarked, but somehow I don’t feel any better without the policy in hand. If administratively they are slow, imagine what would happen if, god forbid, another storm hit New Orleans. Would LA Citizens be prepared for that? Somehow I don’t think so.

2 Comments so far

  1. Courreges (unregistered) on September 28th, 2006 @ 12:21 pm

    You might have better luck with LA Citizens if you go through an agent — they seemed to process my application fairly quickly when I did that.

    Also, if you had a parent in the military, you may be eligible for USAA homeowner’s insurance. They’re the only private insurer writing for inexpensive homes on the East Bank.

  2. Todd 10-30 (unregistered) on September 28th, 2006 @ 1:57 pm

    I’ve got two policies through LA Citizens. I had the same poeple that wrote my car insurance write them. Went fairly quickly.

    Incidentally, Allstate (who had to hire a private investigater) found my original Allstate agent. The agent that claimed we were insured through Allstate and in fact were not. Apparently, he’s the focus of a class action lawsuit. How lucky am I?

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