Insurance seems like a good idea. You pay some money each month in case bad stuff happens. If bad stuff happens, somebody else pays to fix the damages.
But then it creeps into every corner of our lives. We insure our cars, our homes, our health, and more. Our lives.

Then the insurance company decides to cancel your policy. When they think you’ve become a bad risk (for whatever reason they choose), they can just decide to kiss you goodbye. Sometimes they don’t even explain why. That would make it easier for you to appeal their decision…if you can figure out how.

So, now you can’t drive because you can’t get car insurance. Or your bank calls in the mortgage on your home because they get notified that their investment is no longer protected. If you can’t find coverage, they can foreclose on your house.Losing your health insurance can literally kill you.
Some states have laws to protect your rights, and help for those who can’t find insurance at all. I’m guessing it’s far from universal, and if anything like NY, hard to even find out about, much less apply for help.

Which brings me to our tragic tale, which I think is important to show the kind of absolute testicular vise-grip that the insurance industry has over our lives. They make the rules, and they expect us to bend the knee. This writing is me, refusing to yield.

New York State is a beautiful place. Utica is a wonderful little city. But the insurance company that shares it’s name, UTICA National Insurance? Not so much. #UticaNationalInsurance is a legit dumpster fire. I don’t usually rant specifically about a named company unless I’m convinced that the world needs to know just how bad we’re talking about. Oh, It’s BAD.

A few weeks after we moved in, UTICA started sending nasty notes threatening to cancel the policy if we didn’t cooperate with their inspection. Apparently, we’d been ignoring calls from “Mueller Reports” that were inadvertently blocked as spam. Seriously. “Mueller Reports.” Oops. My bad.

OK. So, we bought a cute little fixer-up farm house, in a little upstate town near Ithaca, NY. We knew it needed some work, but nothing major. We had it inspected. Everything was basically working, and there were no major safety risks. As we waited for the closing our old house, we made a list of all the things we wanted to fix, once we had the money from the sale.

A couple days later, the inspector showed up and I walked around with him throughout his visit. He was helpful. He pointed some stuff out. There were some obvious things, like a missing railing we weren’t sure was required. I pointed out a couple problems I’m sure he also saw, and explained how we would be addressing them. He didn’t test anything. He just looked at it.

He also asked a lot of questions that we, as brand new homeowners, knew nothing about.
-We didn’t know the wood stove was installed professionally, because it was here when we got here. One demerit.
-We didn’t know that the older heating system was an EXCELLENT system, with a LIFETIME WARRANTY on the heat exchanger, fully transferrable. We didn’t know, because we didn’t have it serviced yet because we just moved in. Two Demerits. Now UTICA wants a perfectly good furnace REPLACED.
-The inspector pointed out a small amount of moss on the garage/kitchen roof. He said it should get cleaned off before it becomes a problem, but it’s wasn’t that bad. UTICA says: REPLACE the ROOF. In the middle of winter. Demerit #3.
-We bought the house knowing that siding on one wall needed to be redone. Three windows in the same wall also were slated for replacement. Thanks to a leaky oil tank found in the yard of our old house during the sale, causing months of delays and lack of cash, this project got pushed to this coming Spring. UTICA of course wants all the siding replaced and repaired in the middle of winter. Demerit #4.
-There’s an old wooden Bilco-style door to the basement that needs replacement this spring. Water leaks around the door and there’s some seepage due to standing surface water and lack of gutters and drainage. The water dried up completely this winter, so it’s not from plumbing. A drainage and gutter project is the top of the list for when the ice melts and the ground thaws this spring. Demerits anyway. #5 and #6.

There’s probably a couple others I missed, but the point is, most of these are minor hazards at best, in terms of safety and risk. Some are blatantly wrong, like demanding a furnace be replaced or a wood stove be inspected because we didn’t have the chimney cleaned before we moved in (and because the inspection they DID wasn’t good enough).

Here’s the worst though. Two days before Christmas…no shit, December 23. I get an email from my agent. She tells me, she just talked to the adjuster from Utica. They want a whole bunch of stuff fixed in 45 days, or they will cancel 30 says later. She included the “Mueller Report” that I was required by law to get a copy of.

I reviewed the report. It didn’t specify exactly what needed to be fixed. It was just the report that Utica’s adjuster supposedly based his decisions on, not the decisions themselves. My agent’s list of items needing to be addressed seemed random and incomplete. I also told her that re-roofing in January wasn’t going to happen, and that UTICA needed to be reasonable on their time frame. I further advised her that I would wait until I got the official notification from Utica, and respond directly to Utica upon receipt.
I never got a thing. Not a word, from UTICA or my agent. Until this past Saturday Feb 26 when I got a cancellation notice. 30 days. March 27. Alrighty then.

So, apparently the 45 days have been ticking away, and Utica felt no need nor obligation to actually contact me directly until now. Why actually give me 45 days to fix stuff in the middle of winter in Upstate NY?

It’s pretty clear that they don’t want my business. They’ve been treating me like a criminal or confidence man, since they wrote the policy last summer.

As if I was plotting some heinous future insurance fraud or something. Which is ironic as hell, considering we were the victim of a fraudulent hit and run auto claim, and UTICA REFUSES to actually investigate themselves, forcing me to fight with the police for information that UTICA should be requesting, not me. The police inspected our vehicle (and found no damage) 60 minutes after the supposed accident. All Utica needs to do is pick up the phone and dial the numbers and talk to the cops. Ask for the full report. Nope, that’s my job.

UTICA would rather persecute their customers. They are going to cancel our insurance because the furnace looks old and there’s moss on the roof. Meanwhile, a road raging asshat files a false police accident report that 3 people in our car can testify never happened, and they REFUSE to investigate, putting the burden of proof (and to keep my rates from going up due to a hit-and-run claim) squarely on me.

Are you kidding me? How can they do this?

How can Utica National Insurance be this inept and stay in business? How is it that huge insurance companies can do whatever they want and get away with it? Because they have the biggest Congressional lobbies on K Street. Because they know we can’t do anything to hurt them. Because their profits are ‘regulated’ too.

Did you get here? If so, I love you. Thanks for reading my rant. ~jg

Authors Note: All opinions expressed here are just that: opinions. If you don’t like mine, I probably won’t like yours either. Let’s just nod, and walk away. Maybe come back with solutions instead of opinions. Because of the two, only solutions actually matter.