insurance companies = suck
if you own a home, buy extra insurance. something like american home shield because if you dont, youre going to get fucked over by your insurance company. so... im pretty sure ive already mentioned the busted pipe in my house. they're going to have to repipe the whole house. my homeowners insurance doesnt cover it, nor do they cover the broken pipe. or any damage. the adjuster told me that i have to have 'major structural damage' in order for them to pay the claim. thats just fucking great. how about i NOT FIX THE PIPE and then you motherfuckers will have to pay for it. i told them 'why do i pay hundreds and hundreds of dollars every year for YOU TO NOT PAY the claim, when i have to make one? what's the point in paying YOU if YOU wont pay ME?' finally i just hung up on her. my mom and grandma have the ahs thing (above) and they've never had a problem with claims. apparently AHS covers everything your homeowner's policy doesnt cover. looks like i need to get it. two years ago, in the summer, the water heater died. last year it was the air conditioner. this time its the pipes... i figure, what next?