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Posted by on Oct 14, 2017 in Natural Disasters | 0 comments

Insult to Injury: Dealing with FEMA after Harvey

I never pretend to understand, or really care for that matter, about numbers very much. Numbers bore me.

I guess I need to start caring though because I need to start learning how my insurance works. Ever since my partner left me, I have been struggling to learn about our, now my, finances. They’re just so boring, and there are so many numbers.

I was going to get a financial helper person, but, ever since Hurricane Harvey devastated practically everything worthwhile in Houston, that plan will have to be delayed for a bit longer.

I won’t name the name of my insurance company, but I will probably not be using them anymore because they are neither Allstate or Farmers Insurance. These two insurance companies, which I had previously only known about because of their hilarious commercials, have sent representatives from their companies to Houston, in order to educate as well as assist the general public about their insurance options and filling out complicated insurance documents. The best part is that these representatives will help you out, even if your insurance company is neither Allstate nor Farmers.

While Allstate has set up what they are calling Educational Programs, other companies, like Farmers, are setting up tents to help assist with the sheer volume of both property and automobile claims, which are all estimated to cost in the billions of dollars.

I’m told that, during past post-disaster insurance handlings, like this one, insurance companies did not have any place to house their representatives. So, they required their insurance agents, who already lived there and still had their houses intact, to temporarily shelter these out of town insurance agents. Today, however, the insurance companies have set up these nice little tents to serve as a designated meeting place, as well as a place for their representatives to sleep in the evenings.

With the vast amount of insurance agents here answering insurance-related questions and assisting anyone and everyone with the not always easy to navigate government websites, these guests, living where we have dubbed ‘Farmer’s Village,’ will probably be here for the rest of the year, at least the very least. Also, as the damage gets further and further assessed, more and more insurance claims are needing to be filed, which makes the presence of these insurance agents all that more valuable because they get things done much faster here than we ever could on our computers and with speaking to customer service on the phone.

What will especially make me highly consider switching to a better insurance is insurance agents who are assisting victims with filing claims with FEMA and other government agencies. I have heard that for FEMA to help anyone who is uninsured for floods, they must receive proof that this particular individual was not insured for flood damages before the storm did its thing. While I’m waiting to switch, however, I’ll probably be looking for the assistance of a Houston attorney.

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