In December 2021, the Ackermans and the Spaldings lost their homes to a devastating wildfire in Louisville, Colorado. Despite having similar homes and backgrounds, their insurance experiences differed greatly. The Spaldings received prompt financial support from their insurer, Safeco, amounting to over $311,000. In contrast, the Ackermans faced a lengthy claim process with State Farm, resulting in a significantly lower offer after extensive documentation was submitted. This disparity highlights the challenges homeowners face in insurance claims, especially after disasters, affecting their ability to rebuild and recover emotionally and financially.
The Spaldings received a check for $311,810 from their insurer Safeco in seven weeks to cover the belongings lost in the blaze, after little more than a phone interview with the adjuster.
More than a year later, State Farm, the insurer for the Ackermans, offered just $131,275 to cover their contents, and only after the couple produced an exhaustive, 50-page Excel spreadsheet including items as minor as the Lego set and Barbie dolls their daughters had lost.
Collection
[
|
...
]