Home Insurance denied due to Burglar Bars

My insurance company (State Farm) decided to stop coverage on my 2 family in South Slope unless I remove the conventional burglar bars from the garden-level windows. This, despite that every other house on the block have them. Has anyone ever run into this?

brooklyn_dodger

in Insurance 12 years and 8 months ago

7

Please log in, in order to post replies!

7 replies

Newest Oldest

empathie00 | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4903 (8) {
  ["data"]=>
  object(stdClass)#4891 (12) {
    ["ID"]=>
    string(6) "177582"
    ["user_login"]=>
    string(10) "empathie00"
    ["user_pass"]=>
    string(34) "$P$B39XlbF3Z/GXxRzNgW/yrLZdITT1/R."
    ["user_nicename"]=>
    string(10) "empathie00"
    ["user_email"]=>
    string(21) "empatrick@hotmail.com"
    ["user_url"]=>
    string(25) "/forums/users/empathie00/"
    ["user_registered"]=>
    string(19) "2017-08-10 14:17:48"
    ["user_activation_key"]=>
    string(0) ""
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(10) "empathie00"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(177582)
  ["caps"]=>
  array(2) {
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(10) "subscriber"
    [1]=>
    string(15) "bbp_participant"
  }
  ["allcaps"]=>
  array(4) {
    ["read"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

Late response but yes, we ran into exactly the same problem with SF, despite the fact that there are *3* other means of egress from the ground floor apt other than the front windows. I even explained that if we’re the only house on the block without burglar bars, then we’ll be much more likely to be broken into, but they wouldn’t agree and cancelled us. We’re now with Liberty Mutual, but the Brownstone Agency will insure you even with bars as well (more expensive than LM). For those who have SF and bars but havent been cancelled, you’ve been lucky that your house hasn’t been selected by SF to be reviewed in person (they do a drive by – that’s how they found our bars and cancelled us).

WSNarrows | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4902 (8) {
  ["data"]=>
  object(stdClass)#4901 (12) {
    ["ID"]=>
    string(5) "31426"
    ["user_login"]=>
    string(9) "WSNarrows"
    ["user_pass"]=>
    string(34) "$P$BF88jXO96ZPdffU9kvL/BOLo6DAH/A1"
    ["user_nicename"]=>
    string(9) "wsnarrows"
    ["user_email"]=>
    string(23) "smoltino@narrowsins.com"
    ["user_url"]=>
    string(33) "/forums/users/narrows_insurance1/"
    ["user_registered"]=>
    string(19) "2017-08-10 14:16:49"
    ["user_activation_key"]=>
    string(0) ""
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(9) "WSNarrows"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(31426)
  ["caps"]=>
  array(2) {
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(10) "subscriber"
    [1]=>
    string(15) "bbp_participant"
  }
  ["allcaps"]=>
  array(4) {
    ["read"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

That is a big problem for State Farm. Several carriers are not concerned with the bars. If you are interested, I would be happy to get you some quotes. William Smoltino, LUTCF Managing Partner Narrows Insurance Agency, Inc. 9201 4th Avenue, 7th Floor Brooklyn, NY 11209 Phone: (718) 745-1500

pepinohill | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4898 (8) {
  ["data"]=>
  object(stdClass)#4904 (12) {
    ["ID"]=>
    string(6) "176990"
    ["user_login"]=>
    string(10) "pepinohill"
    ["user_pass"]=>
    string(34) "$P$BNcboHUzUVRa2KgQN8dVvzW01gjqjy1"
    ["user_nicename"]=>
    string(10) "pepinohill"
    ["user_email"]=>
    string(16) "289ana@gmail.com"
    ["user_url"]=>
    string(25) "/forums/users/pepinohill/"
    ["user_registered"]=>
    string(19) "2017-08-10 14:16:41"
    ["user_activation_key"]=>
    string(0) ""
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(10) "pepinohill"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(176990)
  ["caps"]=>
  array(2) {
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(10) "subscriber"
    [1]=>
    string(15) "bbp_participant"
  }
  ["allcaps"]=>
  array(4) {
    ["read"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

hmm … i have state farm, and i have original ironwork bars on all three windows in the garden level (two front, one rear), but i have not received a letter advising their removal. was the issue at hand that there was no other way to exit the garden level other than the front door?  i thought you needed at least two ways to exit the floor but i could be wrong.  curious if anyone can provide further information.  thanks!

brooklyn_dodger | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4903 (8) {
  ["data"]=>
  object(stdClass)#4905 (12) {
    ["ID"]=>
    string(6) "178582"
    ["user_login"]=>
    string(15) "brooklyn_dodger"
    ["user_pass"]=>
    string(34) "$P$Be2ywqEvikFGx3v3cqdKKOr.K20zhJ0"
    ["user_nicename"]=>
    string(15) "brooklyn_dodger"
    ["user_email"]=>
    string(19) "3dwardkim@GMAIL.COM"
    ["user_url"]=>
    string(30) "/forums/users/brooklyn_dodger/"
    ["user_registered"]=>
    string(19) "2017-08-10 14:02:37"
    ["user_activation_key"]=>
    string(20) "6HbiGypZqksm84jyaEkZ"
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(15) "brooklyn_dodger"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(178582)
  ["caps"]=>
  array(2) {
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(10) "subscriber"
    [1]=>
    string(15) "bbp_participant"
  }
  ["allcaps"]=>
  array(4) {
    ["read"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

Any ideas for other Insurance companies that might provide coverage in this situation? I’d rather not switch but I don’t want to cut the bars away (as it would be out of character with the neighborhood) and it might be expensive to convert the bars to quick-release.

crank | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4902 (8) {
  ["data"]=>
  object(stdClass)#4906 (12) {
    ["ID"]=>
    string(5) "26671"
    ["user_login"]=>
    string(5) "crank"
    ["user_pass"]=>
    string(34) "$P$BNO2VQ71byvQuTu68LDwqHk6WPbOno1"
    ["user_nicename"]=>
    string(5) "crank"
    ["user_email"]=>
    string(18) "jkerby@elliman.com"
    ["user_url"]=>
    string(20) "/forums/users/crank/"
    ["user_registered"]=>
    string(19) "2017-08-10 14:08:30"
    ["user_activation_key"]=>
    string(0) ""
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(5) "crank"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(26671)
  ["caps"]=>
  array(2) {
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(10) "subscriber"
    [1]=>
    string(15) "bbp_participant"
  }
  ["allcaps"]=>
  array(4) {
    ["read"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

I’ve heated that State Farm won’t even consider Landmarked houses with original ironwork bars.

anotherposter | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4905 (8) {
  ["data"]=>
  object(stdClass)#4898 (12) {
    ["ID"]=>
    string(5) "53767"
    ["user_login"]=>
    string(13) "anotherposter"
    ["user_pass"]=>
    string(34) "$P$Bq7XUGtTb.5jsWjD4iMAO7rQGswiJX0"
    ["user_nicename"]=>
    string(13) "anotherposter"
    ["user_email"]=>
    string(24) "mail.anon.user@gmail.com"
    ["user_url"]=>
    string(28) "/forums/users/anotherposter/"
    ["user_registered"]=>
    string(19) "2017-08-10 13:38:06"
    ["user_activation_key"]=>
    string(0) ""
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(13) "anotherposter"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(53767)
  ["caps"]=>
  array(2) {
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(10) "subscriber"
    [1]=>
    string(15) "bbp_participant"
  }
  ["allcaps"]=>
  array(4) {
    ["read"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["subscriber"]=>
    bool(true)
    ["bbp_participant"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

I’ve lived in apartments where some of them had a lock and key so that they could be there, but opened from inside (in case of emergency).  If the windows are the only means of egress on the back of the house, it might be a good idea (getting them hinged and with a lock) legally for you to do it, especially if it’s a rental until.

cate | 12 years and 8 months ago

string(1) "1"
object(WP_User)#4903 (8) {
  ["data"]=>
  object(stdClass)#4907 (12) {
    ["ID"]=>
    string(6) "176696"
    ["user_login"]=>
    string(4) "cate"
    ["user_pass"]=>
    string(63) "$wp$2y$10$4JNbGAK5cKoEp6kzsYVSBO7oMZphxvnQPCDInpVARCm3B1Dj6U75i"
    ["user_nicename"]=>
    string(4) "cate"
    ["user_email"]=>
    string(20) "cate@brownstoner.com"
    ["user_url"]=>
    string(0) ""
    ["user_registered"]=>
    string(19) "2017-08-10 14:24:59"
    ["user_activation_key"]=>
    string(0) ""
    ["user_status"]=>
    string(1) "0"
    ["display_name"]=>
    string(13) "Cate Corcoran"
    ["spam"]=>
    string(1) "0"
    ["deleted"]=>
    string(1) "0"
  }
  ["ID"]=>
  int(176696)
  ["caps"]=>
  array(2) {
    ["administrator"]=>
    bool(true)
    ["editor"]=>
    bool(true)
  }
  ["cap_key"]=>
  string(15) "wp_capabilities"
  ["roles"]=>
  array(2) {
    [0]=>
    string(13) "administrator"
    [1]=>
    string(6) "editor"
  }
  ["allcaps"]=>
  array(191) {
    ["switch_themes"]=>
    bool(true)
    ["edit_themes"]=>
    bool(true)
    ["activate_plugins"]=>
    bool(true)
    ["edit_plugins"]=>
    bool(true)
    ["edit_users"]=>
    bool(true)
    ["edit_files"]=>
    bool(true)
    ["manage_options"]=>
    bool(true)
    ["moderate_comments"]=>
    bool(true)
    ["manage_categories"]=>
    bool(true)
    ["manage_links"]=>
    bool(true)
    ["upload_files"]=>
    bool(true)
    ["import"]=>
    bool(true)
    ["unfiltered_html"]=>
    bool(true)
    ["edit_posts"]=>
    bool(true)
    ["edit_others_posts"]=>
    bool(true)
    ["edit_published_posts"]=>
    bool(true)
    ["publish_posts"]=>
    bool(true)
    ["edit_pages"]=>
    bool(true)
    ["read"]=>
    bool(true)
    ["level_10"]=>
    bool(true)
    ["level_9"]=>
    bool(true)
    ["level_8"]=>
    bool(true)
    ["level_7"]=>
    bool(true)
    ["level_6"]=>
    bool(true)
    ["level_5"]=>
    bool(true)
    ["level_4"]=>
    bool(true)
    ["level_3"]=>
    bool(true)
    ["level_2"]=>
    bool(true)
    ["level_1"]=>
    bool(true)
    ["level_0"]=>
    bool(true)
    ["edit_others_pages"]=>
    bool(true)
    ["edit_published_pages"]=>
    bool(true)
    ["publish_pages"]=>
    bool(true)
    ["delete_pages"]=>
    bool(true)
    ["delete_others_pages"]=>
    bool(true)
    ["delete_published_pages"]=>
    bool(true)
    ["delete_posts"]=>
    bool(true)
    ["delete_others_posts"]=>
    bool(true)
    ["delete_published_posts"]=>
    bool(true)
    ["delete_private_posts"]=>
    bool(true)
    ["edit_private_posts"]=>
    bool(true)
    ["read_private_posts"]=>
    bool(true)
    ["delete_private_pages"]=>
    bool(true)
    ["edit_private_pages"]=>
    bool(true)
    ["read_private_pages"]=>
    bool(true)
    ["delete_users"]=>
    bool(true)
    ["create_users"]=>
    bool(true)
    ["unfiltered_upload"]=>
    bool(true)
    ["edit_dashboard"]=>
    bool(true)
    ["update_plugins"]=>
    bool(true)
    ["delete_plugins"]=>
    bool(true)
    ["install_plugins"]=>
    bool(true)
    ["update_themes"]=>
    bool(true)
    ["install_themes"]=>
    bool(true)
    ["update_core"]=>
    bool(true)
    ["list_users"]=>
    bool(true)
    ["remove_users"]=>
    bool(true)
    ["promote_users"]=>
    bool(true)
    ["edit_theme_options"]=>
    bool(true)
    ["delete_themes"]=>
    bool(true)
    ["export"]=>
    bool(true)
    ["NextGEN Gallery overview"]=>
    bool(true)
    ["NextGEN Use TinyMCE"]=>
    bool(true)
    ["NextGEN Upload images"]=>
    bool(true)
    ["NextGEN Manage gallery"]=>
    bool(true)
    ["NextGEN Manage tags"]=>
    bool(true)
    ["NextGEN Manage others gallery"]=>
    bool(true)
    ["NextGEN Edit album"]=>
    bool(true)
    ["NextGEN Change style"]=>
    bool(true)
    ["NextGEN Change options"]=>
    bool(true)
    ["email_users_notify"]=>
    bool(true)
    ["email_single_user"]=>
    bool(true)
    ["email_multiple_users"]=>
    bool(true)
    ["email_user_groups"]=>
    bool(true)
    ["NextGEN Attach Interface"]=>
    bool(true)
    ["copy_posts"]=>
    bool(true)
    ["ure_edit_roles"]=>
    bool(false)
    ["ure_create_roles"]=>
    bool(false)
    ["ure_delete_roles"]=>
    bool(false)
    ["ure_create_capabilities"]=>
    bool(false)
    ["ure_delete_capabilities"]=>
    bool(false)
    ["ure_manage_options"]=>
    bool(false)
    ["ure_reset_roles"]=>
    bool(false)
    ["edit_ads_txt"]=>
    bool(true)
    ["manage_feed_settings"]=>
    bool(true)
    ["edit_feed_source"]=>
    bool(true)
    ["read_feed_source"]=>
    bool(true)
    ["delete_feed_source"]=>
    bool(true)
    ["edit_feed_sources"]=>
    bool(true)
    ["edit_others_feed_sources"]=>
    bool(true)
    ["publish_feed_sources"]=>
    bool(true)
    ["read_private_feed_sources"]=>
    bool(true)
    ["delete_feed_sources"]=>
    bool(true)
    ["delete_private_feed_sources"]=>
    bool(true)
    ["delete_published_feed_sources"]=>
    bool(true)
    ["delete_others_feed_sources"]=>
    bool(true)
    ["edit_private_feed_sources"]=>
    bool(true)
    ["edit_published_feed_sources"]=>
    bool(true)
    ["manage_feed_source_terms"]=>
    bool(true)
    ["edit_feed_source_terms"]=>
    bool(true)
    ["delete_feed_source_terms"]=>
    bool(true)
    ["assign_feed_source_terms"]=>
    bool(true)
    ["edit_feed_item"]=>
    bool(true)
    ["read_feed_item"]=>
    bool(true)
    ["delete_feed_item"]=>
    bool(true)
    ["edit_feed_items"]=>
    bool(true)
    ["edit_others_feed_items"]=>
    bool(true)
    ["publish_feed_items"]=>
    bool(true)
    ["read_private_feed_items"]=>
    bool(true)
    ["delete_feed_items"]=>
    bool(true)
    ["delete_private_feed_items"]=>
    bool(true)
    ["delete_published_feed_items"]=>
    bool(true)
    ["delete_others_feed_items"]=>
    bool(true)
    ["edit_private_feed_items"]=>
    bool(true)
    ["edit_published_feed_items"]=>
    bool(true)
    ["manage_feed_item_terms"]=>
    bool(true)
    ["edit_feed_item_terms"]=>
    bool(true)
    ["delete_feed_item_terms"]=>
    bool(true)
    ["assign_feed_item_terms"]=>
    bool(true)
    ["edit_feed_blacklist"]=>
    bool(true)
    ["read_feed_blacklist"]=>
    bool(true)
    ["delete_feed_blacklist"]=>
    bool(true)
    ["edit_feed_blacklists"]=>
    bool(true)
    ["edit_others_feed_blacklists"]=>
    bool(true)
    ["publish_feed_blacklists"]=>
    bool(true)
    ["read_private_feed_blacklists"]=>
    bool(true)
    ["delete_feed_blacklists"]=>
    bool(true)
    ["delete_private_feed_blacklists"]=>
    bool(true)
    ["delete_published_feed_blacklists"]=>
    bool(true)
    ["delete_others_feed_blacklists"]=>
    bool(true)
    ["edit_private_feed_blacklists"]=>
    bool(true)
    ["edit_published_feed_blacklists"]=>
    bool(true)
    ["manage_feed_blacklist_terms"]=>
    bool(true)
    ["edit_feed_blacklist_terms"]=>
    bool(true)
    ["delete_feed_blacklist_terms"]=>
    bool(true)
    ["assign_feed_blacklist_terms"]=>
    bool(true)
    ["edit_feed_template"]=>
    bool(true)
    ["read_feed_template"]=>
    bool(true)
    ["delete_feed_template"]=>
    bool(true)
    ["edit_feed_templates"]=>
    bool(true)
    ["edit_others_feed_templates"]=>
    bool(true)
    ["publish_feed_templates"]=>
    bool(true)
    ["read_private_feed_templates"]=>
    bool(true)
    ["delete_feed_templates"]=>
    bool(true)
    ["delete_private_feed_templates"]=>
    bool(true)
    ["delete_published_feed_templates"]=>
    bool(true)
    ["delete_others_feed_templates"]=>
    bool(true)
    ["edit_private_feed_templates"]=>
    bool(true)
    ["edit_published_feed_templates"]=>
    bool(true)
    ["manage_feed_template_terms"]=>
    bool(true)
    ["edit_feed_template_terms"]=>
    bool(true)
    ["delete_feed_template_terms"]=>
    bool(true)
    ["assign_feed_template_terms"]=>
    bool(true)
    ["edit_shortcoder"]=>
    bool(true)
    ["read_shortcoder"]=>
    bool(true)
    ["delete_shortcoder"]=>
    bool(true)
    ["edit_shortcoders"]=>
    bool(true)
    ["edit_others_shortcoders"]=>
    bool(true)
    ["publish_shortcoders"]=>
    bool(true)
    ["delete_shortcoders"]=>
    bool(true)
    ["delete_published_shortcoders"]=>
    bool(true)
    ["delete_others_shortcoders"]=>
    bool(true)
    ["edit_published_shortcoders"]=>
    bool(true)
    ["aioseo_manage_seo"]=>
    bool(true)
    ["aioseo_page_analysis"]=>
    bool(true)
    ["aioseo_page_general_settings"]=>
    bool(true)
    ["aioseo_page_advanced_settings"]=>
    bool(true)
    ["aioseo_page_schema_settings"]=>
    bool(true)
    ["aioseo_page_social_settings"]=>
    bool(true)
    ["rank_math_edit_htaccess"]=>
    bool(true)
    ["rank_math_titles"]=>
    bool(true)
    ["rank_math_general"]=>
    bool(true)
    ["rank_math_sitemap"]=>
    bool(true)
    ["rank_math_404_monitor"]=>
    bool(true)
    ["rank_math_link_builder"]=>
    bool(true)
    ["rank_math_redirections"]=>
    bool(true)
    ["rank_math_role_manager"]=>
    bool(true)
    ["rank_math_search_console"]=>
    bool(true)
    ["rank_math_site_analysis"]=>
    bool(true)
    ["rank_math_onpage_analysis"]=>
    bool(true)
    ["rank_math_onpage_general"]=>
    bool(true)
    ["rank_math_onpage_advanced"]=>
    bool(true)
    ["rank_math_onpage_snippet"]=>
    bool(true)
    ["rank_math_onpage_social"]=>
    bool(true)
    ["rank_math_admin_bar"]=>
    bool(true)
    ["rank_math_analytics"]=>
    bool(true)
    ["rank_math_content_ai"]=>
    bool(true)
    ["srm_manage_redirects"]=>
    bool(true)
    ["SPF Manage Analytics"]=>
    bool(false)
    ["administrator"]=>
    bool(true)
    ["editor"]=>
    bool(true)
  }
  ["filter"]=>
  NULL
  ["site_id":"WP_User":private]=>
  int(1)
}

I got a letter from State Farm a month ago suggesting I replace my fixed bars with quick-release ones, but they didn’t say they’d drop the insurance.