Near miss, Insurance idiots
When I got home last night I had the unwelcome feeling of soreness in my throat. Many times in my life that has been the precursor to illness so I was hoping this was not the case again. I have heard of multiple people having strep throat in our area. Cindy told me she had a sore throat last week and several people at work have been out with it as well. I gargled my listerine for awhile to hopefully kill whatever I was feeling. Luckily I woke up today feeling mostly normal so I’m hoping it was just a false alarm. During Covid there have been multiple times where I felt like I was getting sick to only have it fade away, weird.
Yesterday was a busy day with it being my first official day as department director. I feel like I have a lot of loose ends that need some tying up. The ironic thing is I also have a dump truck full of PTO time that I need to start using up. That doesn’t align well with the feeling of having a lot to do.
So I got a letter the other day stating that my home insurer Tower Hill was becoming an insurance “exchange” in Florida. I am no expert but it basically is almost like a co-op where the thing is self funded. Whatever the details, it is really just an excuse to raise premiums. I got a projected premium for my next policy period that was 33% higher. To add insult to injury I got another letter from them with a “consumer report” from Lexis Nexis. Somehow this report was supposed to be additional justification for the higher rates, it listed my “insurance score” as 806. The scoring range is 200-997 with a higher number being worse. I found this very confusing and annoying. As far as I knew no one should be able to run a credit report on me as I have my credit frozen with all three major credit agencies.
Evidently it isn’t frozen with LexisNexis. In the report it listed some negatives like the number of accounts established, insufficient information on department store accounts (I don’t have any I know of), number of open installment bank accounts, and the percentage of accounts reported in last 24 months compared to total accounts. My credit score is pretty golden the last time I checked so I found it really annoying. So I called my agent today and am going to get the ball rolling on looking for another carrier, f them.