An Insurance company with a heart
So often, we hear the horror story of Insurance companies, Mortgage companies, troubles the consumer has. GUESS WHAT? We’re consumers TOO.
We’ve had a rough 3 years. Brother in law had 5 major surgeries, and we’re next of kin. No insurance/wife/job. Wife had 2 surgeries, pneumonia 3 months ago. We’ve had 2 weddings in 6 months, and Brother in law died suddenly April 6th (looked like he was on them mend, but alas…)
A few of you in Real Estate may have noticed the last 12 months haven’t been the best years we’ve had. So, we got behind. Our mortgage is being caught up, and things are being paid slowly, but our Credit Scores took a big hit.
Enter American Family Insurance. This year, they’ve decided to rate homeowners based on Credit ratings. Our Homeowners was going up. From $2200 to $3600 per year. OUCH. Enter my local agent. She recalled we may have been having some medical issues (Some?). Was it possible I could write a letter about our troubles? Could I? My wife had just written 4 pages to our mortgage company about how ALL our resources (Money, Family, emotions…) had been tapped for the last 3 years. We faxed the letter.
2 Days later, our agent called. No problem. They threw out the credit score based rate, and took our insurance to a mere $4.00 raise. BUT - if I wanted to raises our deductible to $1000 (instead of $500), our rate would go down MORE than $200 per year.
Thank you American Family. Thank You (Agents Name here) for caring. Thank America that we still listen to people and not just numbers. Thank God, for everything….