During the fires and floods people with mortgages can get relief from paying while house is being built. Catch 22 is the mortgage co then takes over the control of the repairs or rebuild. This is causing delays as Im guessing their banking the money and only paying out a small amount at a time as making the rebuilders go through hoops. This is causing long delays moving back in your home. Try to get a plan where they pay for hotel till rebuilt and continue paying so you and your insurance co have control of the rebuild instead of the mortgage company maybe letting it sit getting interest off the money by a unknown behind a desk who’s out to lunch.
This is also going on at the veterans as a surfer friend who is going through some heart issues has to travel about 750 miles to a doctor apt. He says they are delaying the reimbursement of travel by six weeks or longer while they put it in a high interst account causing people with numerous necessary trips hardships and missing appointments.
Third I started researching critical care insurance that pays you directly under different scenarios that pays regardless what insurance does that could avoid costly bills Incase something shoild happen. If any of you have any of those check them out with Better business and even better reviews and complaints. Most are a scam and don’t pay when people need it despite paying on the policy for years. It typically starts with sending paperwork over and over saying they didn’t get it and using one excuse over and over for not paying. One excuse was almost funny I read. They tried to tell the person it was not a real hospital. It was a real hospital. Another trick they pull when they say they pay on how many days in hospitals then they tell them after they only go buy actual hours seen by a doctor instead of the actual amount of days. Total scams out their hoping your too sick to fight them. Well known name companies making bank on these scams and a lot of them. Better off putting money in a seperate account for that or investing it. If you don’t need it it’s still yours if you do you know you’ll have it rather than jumping through hoops to get it and still not get it. Some problems with high pay out insurance policies too.