Drive down Watson Avenue in Woodbridge, and you'll notice an odor. It's a musty, moldy smell that permeates a street that some say was the hardest hit by Hurricane Sandy's storm surge back in October.
On a sunny day in January, you hear the sound of workers reroofing a house denuded by the hurricane, or chucking out yet more storm-damaged possessions that are beyond hope.
Every other house, it seems, has a neon-orange tag noting the building is unsafe to enter.
Even among all this leftover misery, Jason Crea's Watson Avenue home stands out. Not just because it's the hardest hit home on the hardest hit street in Woodbridge. Or because the basement walls on both sides of the steps were blown out by the storm surge.
It's the big sign that Crea erected right over a bird's eye view into his house's basement where a foot of water still stands: "Allstate Gave Us $37.74 and All We Got Was This Lousy Sign".
That was the amount Crea has received so far from Allstate, his homeowner's insurance carrier, since Hurricane Sandy destroyed his home.
But in the interests of full disclosure, Crea said the amount was originally for $1,037.74.
"I got $37.74 after they subtracted my $1,000 deductible," Crea said.
Battling the Insurance Company
Crea knows the meaning of disgust, anger, and now gallows humor with his sign.
But it's no joke. He's been battling the insurance company since they sent out an adjuster who "smiled constantly while he told us nothing was covered," Crea said.
Crea's home, and all of Watson Avenue, backs up onto a branch of the Woodbridge River called - appropriately enough - Woodbridge Creek.
But it wasn't a creek when Sandy hit. Most of Crea's end of Watson Avenue looked like a lake, which explains why so many homes on the street stand condemned.
Crea, 28, and his wife, Tiffany, had just gotten married and moved into their home in September, 2010 - just in time for Hurricane Irene.
"We were fine. We didn't get much water at all," he said.
The Fine Print
The previous owners of his home had built it, and even with the full basement, there had never been anything more than a few inches of water in the basement.
The house sits in a flood plain, and Crea was required to purchase federal flood insurance. He was fine with that.
The basement isn't finished for obvious reasons, but Crea, who is a part-time music instructor in his native Staten Island, used the space to store his valuable musical instruments and sound system, as well as a collection of memorabilia and a home gym.
"When I bought the contents policy, I explained to [Allstate] that I have a lot of expensive stuff in the basement. They just smiled and took my money," Crea said.
The thing they didn't bother mentioning, and what was in the fine print, is that the basement isn't considered a room in the house.
The upshot is that none of Crea's belongings in the basement were covered by the flood insurance or by the Allstate contents policy.
The mudroom in the back of the house, though, is above the flood plain, the insurance agent said, so anything in that area would be eligible for reimbursement. Crea said the storm surge caused items he had in that area to upend and fall into the basement.
"The water came within a few inches of the rafters in the basement. All the stuff in the mudroom fell into the water," he said.
Crea pointed it all out to the adjuster. "He didn't write down a thing. But he did smile a lot," Crea said with a bemused grin.
Meanwhile, the foundation walls of Crea's home were collapsing.
Woodbridge Patch has requested comment from Allstate, which did return calls regarding Crea's claims.
Swimming to Save Valuables
Under a mandatory evacuation order, Crea, his wife, and his dog spent the night of Hurricane Sandy in the Woodbridge Community Center, which was set up as an evacuation center for Middlesex County.
He spent the first day swimming to his house to save his valuables. The next day he was back at his full time job - he's a senior substation operator for ConEd in New York, and he had to get the lights on for New Yorkers, particularly Staten Islanders who were hard-hit by the flood.
Crea moved his family back to his mother's home in Staten Island.
"Ironic, isn't it? I moved out two years, and now I'm back," he said. His parents' home is high on a hill and survived Sandy, but his mother lost her job when the retail store she works in perished in the hurricane.
So now Crea is paying his mortgage, paying his parents rent, and paying a storage facility to hold the belongings he and his wife rescued from their Watson Avenue home.
The Federal Emergency Management Agency (FEMA) gave him some money to replace a washer and dryer, but that's been pretty much it.
Crea isn't eligible for much else, not even rental assistance. "FEMA said I make too much money," he said.
The way things stand now, Crea is hoping that the paperwork is moving through Woodbridge's building department - whom Crea said has been very helpful - to have his home declared as irrepairable. That means he'd be eligible to get the full amount of insurance to rebuild, about $200,000, not including contents.
"The goal is to get a total loss on the house. Allstate would have to give us 100 percent, and then we'd rebuild," he said.
Crea said he has saved the $37.74 check he received from the insurer.
"I didn't even cash it. I'm gonna frame it," he said. "It's criminal what they are doing."
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(2) required number of days to send notice (which varies by State) (3) reason for the (cancellation or nonrenewal) action and(4) they must also inform the insured that they may be able to get desired coverage thru an assigned risk or State ins program (e.g., Fair Plan for HO, PA Auto Ins Plan.........every State has a comparable assigned risk auto plan) E.g. nonrenewal reason could be as simple (and nebulous) as negative claim experience................cancellation notice has to include a reasopn as well...............nonpayment, misrep or fraud..........................all states, all of em have specific instructions for cancellation and nonrenewal.
I'd admire your honesty. "...you are good at name calling...so just keep insulting me and all the other "dumb, idiotic" people who disagree with you..." I have not called anyone here "dumb" or "idiotic"...those are your words. There is no sin in being ignorant on a subject. My goal is to try to present facts in an informative, respectful, and nonjudgmental manner. Apparently your agenda is "irritating" people.
Flood insurance can pay for either the structure or contents, depending on what you choose to insure. What precisely is and isn't covered is shown in the flood insurance policy, along with a definition of what constitutes a "flood." The only way to know these things is to read the policy, which is the point being made. The policy can be obtained from the NFIP web site.
An adversary of whom or what? My purpose here is to post factual information that will enable participants to be better informed.
I've never remotely implied or thought that someone with a different opinion from me is stupid or lazy. If they say something as fact which isn't true then, yes, that is ignorant. I'm interested in accurate information. There's enough misinformation on the internet from people who don't know what they're talking about. "I read them all and you and Laurie have been condescending and downright mean to everyone who said they had an insurance problem. Of course, you will argue with this too, but the post are visible so everyone can see them and know how you appear to think you are smarter and better than anyone who doesn't know the ins and outs of insurance. You are the kind of person who makes consumers dislike insurance reps." I don't consider myself "smarter" than anyone here. I'm more knowledgeable about insurance that those who know nothing about it. My customers like me a lot because I do what's necessary to see that they don't get into predicaments where they have major uncovered losses.
On the other hand, Allstate and all of its affiliated companies such as Encompass are known for "putting on the boxing gloves" when it comes to settling claims. Do a simple Google search on "Allstate and deceptive tactics" or any other similar word and you will find countless articles about their claims practices that are in direct conflict of their advertised public image of being in "Good Hands". There is no doubt that Allstate is by far the most difficult insurance company to deal with as they have a deny, deny, deny attitude towards just about every claim. Whether you are making a claim against an insured of Allstate or you yourself are insured by Allstate and making a claim against them for a loss, the "Good Hands" turn into boxing gloves very quickly. Take a moment to read the following article published in the Sarasota Herald Tribune: http://holzeredwardsinjurylawyers.com/2011/09/allstate-insurance-abuses-people-plain-and-simple/
Sincerely, Screwed outside of Nashville.