Harvey victim Goes Off On CNN Reporter, For Taking Advantage of them

CNN wants to capitalized on the Houston hurricane coverage so they decided to set up shop in an evacuation center, interviewing those who have been picked up by rescuers from the rising waters. Unfortunately for them, a distraught Houston mother is not having it. She blast the reporter for putting a microphone in her face just moments after she arrived at a shelter with her two young children.

“Y’all trying to interview people during their worst times. Like, that’s not the smartest thing to do,” the shaken up parent, identified only as Danielle, told reporter Rosa Flores.

“People are really breaking down and y’all sitting here with cameras and microphones trying to ask us what the f–k is wrong with us,” she seethed. “And you really trying to understand with the microphone still in my face! With me shivering cold, with my kids wet! And you’re still putting a microphone in my face!”

The interview happened a little before 1 p.m. central time at a shelter in Houston. Flores appeared to approach the woman at random just after she arrived there with her kids.

“We was waiting for the police for like 36 hours and they never came,” the mother said. “We did the white flags and everything — and nobody came.”

The woman went on to explain how she fled her home, walked to a nearby gas station, and remained there until someone picked her and her children up.

“We had been there for five days with no food, no lights,” she said. “We got through four feet of water to get them food on the first day…Yea, that’s a lot of s–t.”

During her outburst, Flores can be heard apologizing to the woman and her children.

“It sounds like you’ve got a very upset family there,” CNN anchor Jim Acosta tells Flores, before cutting away.






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Insurance Claims After a Hurricane

Hurricane Harvey started with sustained 130 mph winds and a seven-foot storm surge and it also has dumped trillions of gallons of water onto the city of Houston that is enough to fill the Great Salt Lake twice over. It also soak much of Louisiana into midweek that caused massive flooding. Homeowners maybe wondering how to file a claim and if they have enough coverage to repair and rehabilitate their destroyed, flooded homes.    

What you should do?

1. Homeowners shoudl call their insurers as soon as possible to start the process of filing a claim. After contacting your insurer, an adjuster will contact the homeowner to schedule a visit to the location of the insured property and inspect the damage. Adjusters will start by visiting areas that experienced the most severe damage once they are allowed by emergency officials.

2. Make sure you have prepared a thorough list of your property that has been destroyed and damaged. You will need to give purchase receipts or estimate how much the belongings cost and when you bought them.

Take photographs and record video of every area of your home and property for documentation.

3. Don't throw anything away without checking with your insurer first. You'll likely need to show that damaged items were impacted by the storm.

4. If your home is severely damaged and uninhabitable that you need to check in a hotel, keep the reciepts including your transportation and meals. People with wind damage coverage are eligible for reimbursement for additional living expenses. Flood insurance, however, does not cover these expenses.

5. Once you report your claim be sure you get your claim number and write it down this will help insurers locate your file quickly and keep things on track when you speak to customer representatives.

6. Avoid fraudulent contracts! Major catastrophes like Harvey can be a boon for fraudulent contractors. The fraudsters go from home to home offering to do repairs. Always get a written estimate and not rush into signing repair contracts. You can also ask your insurer, since most insurers will have a reliable network of repairers.

Never pay anyone upfront!!! It is an immediate red flag if they ask for payment before the work is completed

What if insurance companies refuse to pay claims?

“60 Minutes” had an episode titled “The Storm After The Storm” after Super Storm Sandy. They tackled the issue of “wide scale fraud where original damage reports were later changed to make it look like the damage wasn’t as bad.” Similar reports were released following Hurricane Katrina documenting wind vs. water cases. Wind vs. water cases consist of engineering reports that intentionally misidentify damage as caused by water rather than the true cause, wind.

Finding that home damage was caused by floodwaters rather than wind is significant for the private insurance industry. The significance is that the National Flood Insurance Program (NFIP) is managed and underwritten by the U.S. Federal Emergency Management Agency. This means private insurers are not on the hook for the losses caused by flooding.

If you don’t get the service that you expected from your insurance company you should file a Consumer Complaint with your state insurance department.

Important things to note:

Flood insurance - Home insurance doesn’t cover flooding. You’ll need to buy a separate flood insurance policy, which takes 30 days to take effect. If a hurricane strikes within that 30-day window, your policy won’t pay for flood damage to your home or belongings.

Windstorm insurance - Many homeowners policies include coverage for wind, especially if you don’t live in a hurricane-prone coastal state, so you might not need to buy additional insurance. However, coastal states like Texas and Florida you’re more likely to need separate wind insurance.

Auto insurance - Comprehensive car insurance pays to fix damage to your car from flooding, hail and other nasty weather.

For more information about Flood Insurance visit FEMA






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IRS: 4 million Americans paid Obamacare penalties averaging $708 for 2016

Obamacare has rear its ugly head again this time it's about money, four million Americans paid Affordable Care Act penalties averaging $708 for not having insurance in 2016, based on the preliminary figures released by the Internal Revenue Service.

The average is just over the base penalty of $695 imposed for a whole year without coverage; those with higher incomes paid more. Overall, that's about $2.8 billion. The agency noted that those numbers are subject to change as processing continues.

The penalty started in 2014 with a base penalty of $95. The IRS reported that 7.9 million people paid an average of $210 that year, for a total of $1.6 billion.

In 2015 the base penalty rose to $325, and the IRS reported that 6.5 million people paid an average of $470, for a total of $3 billion. The penalty is called the individual shared responsibility payment (Obama tax), you owe the fee for any month you, your spouse, or your tax dependents don’t have qualifying health coverage. You pay the fee when you file your federal tax return for the year you don’t have coverage. There are few health coverage exemption from the requirement to have insurance.

Liberals and freeloaders wants to increase these penalties they say the penalties are not steep enough to push enough people into the marketplace.    

Good thing President Donald Trump ordered the Internal Revenue Service to stop their plan to reject tax returns that didn't indicate whether or not people had health insurance. So, if you have no health insurance just don't tell the IRS and don't pay the penalty!




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Wells Fargo Guaranteed Auto Protection Insurance Program

Wells Fargo's Guaranteed Auto Protection Insurance Program (GAP) is intended to protect a lender against the fact that a car, which is the collateral for its loan, loses significant value the moment it is driven off the lot. Basically it protects the bank or financial institution that lends the buyer money for the purchased car. GAP insurance makes up that difference for a lender if, for instance, a car is stolen before the loan is paid off. Regular car insurance typically covers only the current market value.

Wells Fargo is being investigated for this, The Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau are examining this issue.

Wells Fargo is in hot seat again over the last few weeks after it was exposed that they may have forced unwanted insurance on customers who took out car loans. On Tuesday, California’s insurance regulator said he would investigate the bank and the insurer, National General Holding Corp., over the "improper placement" of such coverage.

More bad news about Wells Fargo, the company said that they found more fake accounts that has been created by employees.

The bank said in a regulatory filing that its review of potentially unauthorized accounts could reveal a “significant increase” in the number of accounts involved, up from the 2.1 million that it previously estimated. Wells Fargo said it had expanded its investigation to add three years to its review period, which covered accounts opened from 2011 to mid-2015.


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