C-Man

You're right about the HNW carriers. They're phenomenal and worth their weight in gold when the shit really hits the fan. But most people don't qualify. There are varying levels of suck across all the other insurance companies. Some are definitely worse than others. I would never willingly do business with Allstate. State Farm is OK for most people, I think, but I 'witnessed' them try and get out of 2021 winter storm/busted pipe claim for a $7M+ home on Beverly in Highland Park. The entire downstairs was flooded and had several inches of standing water on the floor. SF offered $196K or something, bumped it to $350K and then rescinded the second adjustor's finding and went back to OG $196K claim. Homeowner's contractor said the damage was $1M at a minimum. Chubb would've written the $1M check in a couple of days and said tell us if you need more. Homeowner told SF to pound sand, bought another house in HP and is now insured by Chubb through a colleague. Last I heard (it's been awhile) the Beverly claim was still being litigated.

Correct. And if you don't pay your premiums on time, that goes into the sauce as well. Guess the carriers share that info, just like claims. It's still my experience that USAA's rates are still pretty good in most instances that we run up against them. It's still a better place to be than Allstate, Farmers, State Farm, etc. Chubb is one of a handful of companies in the high net worth/luxury insurance space. They're not typical insurance companies. They write big checks and ask questions later. They usually cost more up front but are worth their weight in gold in that they'll pay more on claims and will look for coverage for clients as opposed to looking for ways to NOT pay claims, like so many of the other companies. The problem is that not everybody qualifies for them. Chubb just recently increased their minimum primary home value from $500K to $2M in Texas. This is a seismic change in appetite for them. Not sure if this is a permanent change or if they'll lower that once things stabilize -- if they stabilize. Maybe they drop back to $1M but I doubt they go all the way back to $500K. I've heard that about Goosehead that they charge like $50 or something just to look around for you. What you should do is look for boutique local independent agents in your town or city or you can go the big broker route like us (HUB International/HUB Private Client), Willis or Marsh. None of those will cost you anything as we get paid by the carrier IF we write policies for you. Higginbotham is a large Texas-only broker that handles all kinds of insurance. Stay away from anybody that is going to charge you for ANYTHING to shop rates/carriers for you because you don't have to. If you're in a $2M or more home you can go to the HNW carriers' websites and do their "Find an Agent" thing by your Zip Code. Be adviseed companies currently writing HNW business are Chubb, Cincinnati, Berkley One and PURE. Chubb and Cincinnati's mins in Texas are $2M (Cincinnati has an Executive product that is very good that starts at $1M), PURE is now $3M and Berkley is $5M. Our main non-HNW markets now are Travelers and Safeco. I think you can also find independent agents by doing the same thing on their carrier websites.

What is it with these guys and flies?

According to Trump, because of Kamala you're allowed to rob a store so long as it wasn't more than $950. He said "you have thieves going into stores with calculators calculating how much it is. If it's less than $950 they can rob it and not get charged. That was her."

Trump’s gonna engage the press in a game of Supermarket Sweep or The Price is Right’s Hi-Lo.

100%. Allred wasn't nearly this feckless as a Congressman. Not sure what exactly happened.

Both of his parents are utterly vile people. None of his siblings are worth a shit. Of course he was going to be a fuckstick. As @safe sex said, if he's gonna play the game he's gonna play the game.

https://www.threads.net/@reynoldsgareth/post/C-qlrUAMG3a/?xmt=AQGzuVhKYvAcHDpBGxdvjzqNc-7HLyq7sXq9zF4wpWKZjw

Dea, the Tracy Rathbun/Lynae Fearing concept that went in to the old Fireside Pies next to Shinsei, didn't make it very long. We went once and service was an absolute mess. The food wasn't good enough for us to go back. Well, it's being reimagined as Perch Bistro & Bar. It's maybe not a "pizza only" place but that's a large part of the menu. https://www.dallasnews.com/food/restaurant-news/2024/08/08/dea-dallas-restaurant-redesigned-perch-bistro/

4D chess

CNN out there digging up 20-year-old news on Tim Walz's DWI arrest and yet nary a peep on the $10M bribe to Trump from Egypt. https://www.cnn.com/2024/08/15/politics/tim-walz-2006-campaign-falsely-described-dwi-kfile/index.html

Not sure this was posted the other night. I didn’t listen to the Musk/Trump deal. Was watching A Closer Look on Seth Meyers last night and they played this clip — WTAF:

I don't think Lara will run the RNC for very long after Donnie loses in November.

I believe it's @BamaATL who thinks Kemp is dangerous as fuck.

See below. This is the way to do it -- if you have a kid away at college without their car, you can rate them as "student away at school without vehicle." And, yes, always ask about "Good Student" discounts as some carriers carry this program through to college.

Dammit, forgot about that parody account. He drew me offsides.

'Former Trump aides claim Donald is in 'meltdown' and 'feels the election is slipping from him'... so is 'lighting up the campaign' because of a 'terrible decision' ' https://www.dailymail.co.uk/news/article-13741377/Inside-Trumps-meltdown-Ex-president-lighting-staff-hes-p-ssed-picking-JD-Vance-insiders-fear-hes-going-fire-two-extremely-talented-campaign-gurus.html

Happy to take a look but I'm not overly confident we'd have much, especially based on the two AF accidents involving the squid. What is the current insured value of the primary home? (Feel free to shoot me a DM if you'd like.)