Why is it so hard for anyone to take responsibility any more? When you screw up and you get what you deserve, why can't you just own up to it and move on? Sheesh, we all make mistakes - that's how we learn! I can't find an attributable quote but I'm sure you've heard about learning "more from my failures than from my successes."
Forgive my rant but my latest complaint has been ongoing for several months. After finally negotiating a solid offer for our new house, we obviously had to purchase homeowners insurance. Having had two decades of solid customer service from State Farm, I naturally decided to stick with my local agent. She ordered the appraisal, worked out the coverage with me, and I paid the quoted amount for one year of coverage.
A few weeks after we closed, I received a bill from State Farm for an additional $125. I was confused so I brought it up with my agent. (To be fair, my agent was on maternity leave, so I was dealing with someone in her office, but who happens to be a close friend of the family herself.) She checked with the underwriter who stated simply that the new rate took into account information from our credit file. Now I have separate issues with that idea which I will address at the end...
Issue #1
I went back and forth with her and ultimately got the direct number for the underwriter. When I finally reached him the conclusion was that we should have been quoted the higher amount initially. Now I can understand that someone made a mistake in preparing the quote. What I don't understand is why I should have to pay for it. In all my business dealings, when you make a quote you stand by it. Someone is making a purchasing decision based on your quote and the understanding that you will keep your word. Not once in my communications with State Farm has anyone acknowledged that fact. It just shows that you only really find out someone's integrity when things go wrong. It's easy to keep your word when no one calls you out.
So in the end I am still waiting for a return call from some sales executive named Roger to find out if they are going to stand by the quote. If not I don't see how I have any choice but to take my business elsewhere. Unfortunately I have a feeling I will end up with more of the same no matter where I go.
If you have run into a similar situation or have a solution, please leave a comment.
Issue #2
So what bearing does my credit file have all of the sudden on homeowners insurance? I mean if my structure on my land in my neighborhood costs X amount to insure, doesn't it still cost the same regardless of my credit? And, ok, let's say I am someone with a low score (which we're not by the way. We're well above average - not that it is any of your business...), shouldn't my relationship with their company carry greater weight than some number given by a complete stranger? They know my payment history and claim history for the last 20 years because I have been with them for as long as I have been driving. I have had car insurance, motorcycle insurance, health insurance, personal belongings, and renter's policies, over the years. I've had two claims, both of which were 100% not my fault. I don't get it. Seriously I am completely befuddled (thanks for the word Mike!)
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Now playing: Nine Inch Nails - 1 Ghosts I
via FoxyTunes
Forgive my rant but my latest complaint has been ongoing for several months. After finally negotiating a solid offer for our new house, we obviously had to purchase homeowners insurance. Having had two decades of solid customer service from State Farm, I naturally decided to stick with my local agent. She ordered the appraisal, worked out the coverage with me, and I paid the quoted amount for one year of coverage.
A few weeks after we closed, I received a bill from State Farm for an additional $125. I was confused so I brought it up with my agent. (To be fair, my agent was on maternity leave, so I was dealing with someone in her office, but who happens to be a close friend of the family herself.) She checked with the underwriter who stated simply that the new rate took into account information from our credit file. Now I have separate issues with that idea which I will address at the end...
Issue #1
I went back and forth with her and ultimately got the direct number for the underwriter. When I finally reached him the conclusion was that we should have been quoted the higher amount initially. Now I can understand that someone made a mistake in preparing the quote. What I don't understand is why I should have to pay for it. In all my business dealings, when you make a quote you stand by it. Someone is making a purchasing decision based on your quote and the understanding that you will keep your word. Not once in my communications with State Farm has anyone acknowledged that fact. It just shows that you only really find out someone's integrity when things go wrong. It's easy to keep your word when no one calls you out.
So in the end I am still waiting for a return call from some sales executive named Roger to find out if they are going to stand by the quote. If not I don't see how I have any choice but to take my business elsewhere. Unfortunately I have a feeling I will end up with more of the same no matter where I go.
If you have run into a similar situation or have a solution, please leave a comment.
Issue #2
So what bearing does my credit file have all of the sudden on homeowners insurance? I mean if my structure on my land in my neighborhood costs X amount to insure, doesn't it still cost the same regardless of my credit? And, ok, let's say I am someone with a low score (which we're not by the way. We're well above average - not that it is any of your business...), shouldn't my relationship with their company carry greater weight than some number given by a complete stranger? They know my payment history and claim history for the last 20 years because I have been with them for as long as I have been driving. I have had car insurance, motorcycle insurance, health insurance, personal belongings, and renter's policies, over the years. I've had two claims, both of which were 100% not my fault. I don't get it. Seriously I am completely befuddled (thanks for the word Mike!)
----------------
Now playing: Nine Inch Nails - 1 Ghosts I
via FoxyTunes
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