paredown said:...there was a time (and I certainly grew up in this environment) when you did everything yourself. My dad rewired half our house, and a home-owner's permit was easy to obtain, and was even collaborative--the inspector helped you get it right.
But now we've lost our faith that the average person of good will and intelligence can do stuff--and we should leave it all to "professionals."
Well, I've had to clean up after some of them, and just because you paid a lot of money does not mean the job has been done correctly or is safer.
And as far as insurance companies go, a lawyer friend who has some recent dealings with one, came to the realization mid-trial, that really, their business model is predicated on not paying claims and using that money to invest, and pay themselves handsomely...
My $ .02...
I completely agree. It'd be interesting to hear from anyone who knew (1st or second hand) of experiences where insurance co's were particularly bad irt trying to get out of paying a claim (for whatever). I've heard from a few people that they had good experiences with AllState and I've heard more good than bad things irt USAA. I think state farms one of the ones that I had heard could be a pain but I don't remember for sure.