I have had Scott as my Home Insurance Agent Since 1971
I am Paying him $2,556 a year for Replacement Coverage
This year my coverage was increased from $166,000 to $169,000
to Reflect the current construction cost. I also Pay
Cardinal Insurance $16,900 for other Structures which
they do not list and $118,300 for personal property and
$637.00 in Additional Premium Also not listed or Identifed.
My public protection class was changed from 4 to 3
to reflect current fire protection as defined by the
Insurance service office(ISO)
My Roof is warped and leaks. I asked Cardinal Insurance
to fix my roof. Scott sent A Safeco Insurance adjuster
to look at the roof. He saw the water stains and the smoke
marks that was caused by the water that leaked out of the
light in the upstairs bedroom. He said the roof was last
worked on in 1995 and all he could do was paint over the
water and smoke stains on the ceiling, but nothing to fix
the leaking roof or the wet wireing damage.
Why am I paying Cardinal insurance for Coverage if they
are not going to do any repair when something needs repaired.
I have made a complaint to the insurance Commision and got
a law suit that will be filed against Cardinal Insurance
as soon as I get back to my other home in Washington DC.