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Chris 313
Come get some
Premium
join:2004-07-18
Houma, LA
kudos:1
Reviews:
·AT&T U-Verse
·Vonage
·Comcast
·Comcast Digital ..
reply to baineschile

Re: Um

said by baineschile:

Isnt there something called renters insurance? Sorry, but you lease the equipment from the company. If that gets destroyed, why should the company eat the charges?

When I lived in a townhome, my renters insurance was like $130 for the whole year, it wasnt too terribly expensive.

If you rent a car from Hertz, and you destroy it, you have to pay for it (assuming you didnt have insurance). Same principal here.
Sure, I get what your saying, but in these people's minds, wouldn't their first priority be making sure everyone was ok and along with being swamped with having to replace what was lost?

Like what was claimed in the article, you're sounding a little insensitive.


baineschile
2600 ways to live
Premium
join:2008-05-10
Sterling Heights, MI

2 edits
Absolutely, the life is pricless, and that should be the first concern.

Terrible things happen, I dont mean to be insensitive about it. All I am saying is, in the 4 apartment complex's i have lived in here in MI, renters insurance was REQUIRED in each case, and would have covered the equipment (along with most of my other personal belongings).

If your house burns down (god forbid), and you dont have homeowners insurance, do you think that mortgage company that owns your note would throw up their hands and forgive all debt?

This is just an unfortunate situation for everyone involved. Anytime people can take a shot at a big company, they will.


woody7
Premium
join:2000-10-13
Torrance, CA
even if you have insurance, it would be a long time before it paid out, they always have to figure out the cause of the fire, and the person or renter of the cause of the fire is going to be blamed that is how it works, lawyers like to assign blame or a portion there of . So for them to go and start asking for money that quick is essentially useless and a really bad pr move on their part, peace
--
BlooMe


djrobx
Premium
join:2000-05-31
Valencia, CA
kudos:2
They do need to ask for it somewhat soon so people remember to claim it to their insurance company. They should just go about it in a tactful way.
--
AT&T U-Hearse
Your funeral. Delivered.

ZachAttack

join:2009-05-30
Yorba Linda, CA
reply to baineschile
"Anytime people can take a shot at a big company, they will."

And, do you have a point?

Of course they do, insert any "big company" here, and have they shown so much as sympathy (no they haven't), ok empathy (no they don't even manage that). People take "shots" at big company's because those companies don't do anything to deserve respect or sympathy/empathy from consumer's, if company's actually acted like they "care" people would care back, but they don't.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3
reply to Chris 313
said by Chris 313:

said by baineschile:

Isnt there something called renters insurance? Sorry, but you lease the equipment from the company. If that gets destroyed, why should the company eat the charges?

When I lived in a townhome, my renters insurance was like $130 for the whole year, it wasnt too terribly expensive.

If you rent a car from Hertz, and you destroy it, you have to pay for it (assuming you didnt have insurance). Same principal here.
Sure, I get what your saying, but in these people's minds, wouldn't their first priority be making sure everyone was ok and along with being swamped with having to replace what was lost?

Like what was claimed in the article, you're sounding a little insensitive.
How is he sounding insensitive? he's 100% absolutely right.. bot legally AND morally.

You're not looking at this correctly one bit.

In a fire, yes, #1 is to make sure people are safe. End of discussion - right there.

Now, let's rewind.

Where was the responsibility of these subscribers (renters/home owners) BEFORE the fire?

When a fire happens that when it's time to think about getting your ass out and getting to safety.. BEFORE the fire happens is when you think about protecting your self from these kinds of tragedies.. NOT after.

Sorry.. not insensitive on his or even the cable companies part.. it's the lack of planning and carelessness of the people that didn't take the steps to protect themselves.

The next argument ALWAYS made in these stories and after someone like me posts reality is that it's too expensive to afford insurance for some people.. well, just look at the irony that someone had a "cable box" in their home in the first place that got destroyed in a fire. Can't afford to protect yourself, you can't afford cable.

In the end, it's far much more than about a cable box.. these people lost everything and if they don't have insurance to replace their losses, well.. sorry.. I've carried insurance on my rental back to the day I was 18.. it's cheap coverage. Upwards of $12 a month these people would not only not have to worry about the cable box, but their belongings as well..

I think the cable company should continue to hold them to the damaged equipment - people need to stop thinking the cable companies need to be the end all of charity to everyone in need. Who's now going to get the finger for the rest of the lost and destroyed property in the fire?

It will only sound insensitive to those that don't have a grasp on common sense in life. EVERYONE signs up for cable also agrees to be responsible for lost, stolen, damaged equipment.. nothing in there says "unless your house burned down, you have no insurance.. etc"..

I suppose if the rental car you don't have insurance on got slammed into by a drunk drive and you were injured that the rental car company should feel sorry for ya? Multiply that now by all the number of times it happens.. and now you've set a prescience that it's okay to not cover yourself from accidents or damages..

Sorry, but life doesn't work that way.

There is a very good reason to hold the sub responsible for the burned up equipment. Down the road, after the investigation, they may find that someone else is liable for it and DOES have insurance to cover this.. so why shouldn't the cable company be in life to get compensated too?

And why is it that some of you guys are just waiting in line to find a reason to bastardize the cable company in these cases and not everyone else right with them? Common sense and responsibility is the only logic that wins in the end every time.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3
reply to woody7
You obviously haven't had a renters or home owners claim have you?

it doesn't take a "long time before it paid out"... I just put a claim in on my house for weather damage and the check was in my hand with in 5 days.. One of my motorcycles was wrecked.. the claim was paid that same week. Most vehicle property claims are paid quickly too..

Sorry.. but that's not one that flies.

Insurance companies typically pay their covered and then fight each other to square up. Where people DON'T get paid quickly is when there is a question of actual coverage.. ie: was the water damage from flooding or other sources..

They didn't just go ask "that quick".. the accounts were probably stopped, the reason why was asked, and the equipment gets charged.. that's how business works and there is NOTHING wrong with that. This part of the entire equation, too, will all get sorted out as time comes.

I swear, you guys make it sound like the cable company sent hired goons out with bats to beat the money out of the customers.. I know it makes for an incredible "I'm outraged" feel good moment.. but you're also putting far more emotion into this.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3

1 recommendation

reply to ZachAttack
Business is business. they're not there to show sympathy.. they're not your mother.. they're not your family.. they're not your friend.. and the same is in return.

They can most certainly, and SHOULD, agree that they can give these customers time to sort things out. Things like fire and disasters ARE big events in people's lives and its going to take more time.. this is where there can be a little understanding on the part of business. However, in the reality of it all, life continues to go on. Had the people had insured themselves, the issue becomes much easier - still , just taking some time.

I can also assure you that there are MANY cases where people ARE insured for loss and they STILL expect the cable company to just write off the equipment.. it happens FAR more than you think.

ANY home owner with a house is going to have home owner's insurance as required by the lender... you'd be amazed how replacing their own personal items become far more pressing than taking care of their contractual obligations.

This is all good and stuff, but this blog post today is just another feel-good and bash big business material.


sivran
Seamonkey's back
Premium
join:2003-09-15
Irving, TX
kudos:1
reply to baineschile
Isn't homeowner's insurance kinda-sorta built-in/required when you have a mortgage? It was for my dad.
--
Think Outside the Fox.


ebgbjo
Sewing is cheaper than therapy
Premium
join:2007-09-14
USA
reply to fiberguy
Not necessarily true. My husband's co-worker lost his house due to a fire last year. It took almost 2 months before he even saw a little bit of the money from his insurance company. Because of the nature of the fire, they refused to pay anything out, even one cent, until a complete investigation report was conducted by the fire department then sent to them (the insurance company) for review before they wanted to settle anything.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3
You said it best.. "because of the nature of the fire"... If the policy has an exclusion and the fire appears to be, based on the initial report, to be part of that exclusion, then yea, the insurance company is going to hold off until the report is complete - that's normal.

Insurance policies don't just pay out due to a loss. But you are right when you said "not necessarily true".. there ARE going to be cases where people don't get paid right away.. and again, that's normal.

Say that insurance company DID pay out and say the report came back and the loss was in fact NOT covered.. then it comes down to the insurance company being the bad guys when they come knocking for their money back, right? I mean, the guy suffered enough already right?

In clear cut cases, yes, they pay out right away. In my case, as I stated, the adjusted was out and a check showed up with their report.. I told them I wasn't in agreement and wanted them to talk to my contractor.. their answer was simple.. "we have to send a check anyway.. it doesn't mean that you have to accept it, but the law requires we send it".. I challenged it and in a few weeks the insurance company is changing their tune. It's how things work.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3
reply to sivran
said by sivran:

Isn't homeowner's insurance kinda-sorta built-in/required when you have a mortgage? It was for my dad.
It is.. but policies can lapse. If you have an FHA, your home owners is wrapped up into the escrow account and loan. You pay your insurance premium to the bank. In a traditional loan, you can pay directly to the insurance company once a year in advance. If your policy has lapsed, however, you're not covered.

Some banks will retain the right if you don't insure, they will insure the property FOR you, but it only covers their interest, not yours.. this is the same as auto finance. If you drop your insurance, the finance company will insure the property, but not you or the other guy.. and I bet you'd MUCH rather get your own police when you see what they charge.


gigahurtz
Premium
join:2001-10-20
Palm Coast, FL
Reviews:
·Bright House
reply to baineschile
said by baineschile:

Absolutely, the life is pricless, and that should be the first concern.

Terrible things happen, I dont mean to be insensitive about it. All I am saying is, in the 4 apartment complex's i have lived in here in MI, renters insurance was REQUIRED in each case, and would have covered the equipment (along with most of my other personal belongings).

If your house burns down (god forbid), and you dont have homeowners insurance, do you think that mortgage company that owns your note would throw up their hands and forgive all debt?

This is just an unfortunate situation for everyone involved. Anytime people can take a shot at a big company, they will.
Mortgage company is owed, most likely, $100,000+.

Cable company is owed $500.

The fact of the matter is that the timing was the problem. No one says they anything about insurance, but rather give the family a chance to recover as these things are not fun to deal with. I would say wait at least 30 days before contacting them about this.

ZachAttack

join:2009-05-30
Yorba Linda, CA
reply to fiberguy
"This is all good and stuff, but this blog post today is just another feel-good and bash big business material."

Again, and? The point is? People hate big business. Not despite that they're uncaring but because of it. People don't care about the business's losses, and could care less if they lose money or fail. Saying like "business is business" doesn't garner good will. Heaven forbid I ever have a house fire, I know what I'd do grab the blackened box drop it off at the local office and say go eff yourselves.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3
You do that.. go drop your charred box off.. just make sure you pay the bill or claim it on insurance and actually pay what you were compensated for TO the rightful owner.

While people LOVE to hate BIG BUSINESS.. don't you find it ironic that its the same group of people that want prices low, next to nothing, or hate paying high prices? ... you don't get low prices, in general, from mom and pops.. you get it from big business.. THAT is a fact!

What I can't stand are uneducated, two faced whiners who have no grasp on reality and expect everyone else to pay their way and feel sorry for their over abundance of ignorance while pointing the blame and "how dare you" finger else where.

This is no different that you getting upset at someone else for having more money than you.. it's plain jealousy.. I have more money, I'm sure, than many of the posters here - but I worked upwards of 18 hours a day from nothing to get there.. yet, still, many of you would look to me as a bad guy because I have money.. it's just an image thing.. people don't care about "facts" these days.. they can't be bothered by those pesky things.

Wake up people - the hate just makes for great dramatics.

ZachAttack

join:2009-05-30
Yorba Linda, CA

1 edit

1 recommendation

Dude, I have an MBA and I still think business people are scum. I work hard also, and don't have some subconscious jealousy of people with money.

I'm sorry but this was a scummy thing to do, these stupid boxes which are "valued" at $500, but which MSO's do not pay near that amount for, should be amortized on the books, so by the time you do lose a unit or 50, you don't have to take a hit. That's how I'd run my business.

The MSO's are not selling me a box they're selling me a service, and the stupid box DVR or not is just an access point into the network. It's much more lucrative to sell VOD, or Premium Services than it is to claim $500 for a crappy piece of plastic box, and lose the customer to DirecTV or Dish, because my crappy henchman were too worried about recouping the imaginary "value" of the stupid access device, meanwhile the potential income from selling them Digital Cable plus HBO, plus VOD just went out the window.

fiberguy
My views are my own.
Premium
join:2005-05-20
kudos:3
said by ZachAttack:

Dude, I have an MBA and I still think business people are scum. I work hard also, and don't have some subconscious jealousy of people with money.
You have your opinion and I have mine. However, great.. you think all "business people are scum".. I added the "all" FOR you because as written, as as educated as you are with your MBA, you understand how to read what you typed out.

So, great.. if you think all business people are scum, then don't buy ANYTHING from ANY of them.

Do you even understand what a position you put yourself in and what it says about your own morals? I'll be honest FOR you.. you do NOT think all business people are scum. A 'rational' person wouldn't make a blanket statement like that.

I'm sorry but this was a scummy thing to do, these stupid boxes which are "valued" at $500, but which MSO's do not pay near that amount for, should be amortized on the books, so by the time you do lose a unit or 50, you don't have to take a hit. That's how I'd run my business.
Put your money where your mouth is then.. it's really easy to sit back and say this in a forum like this.. now, go in the real world.. multiply this story by many times over again. You CAN'T! I'll tell you why.. everyone has to start out small.. small business can't even take these kinds of blows. CableOne isn't a "HUGE business" either.. So why is it that a business always has to be the responsible one? On one hand, you're saying how bad business is, yet you, with your MBA, can't understand that people have to take personal responsibility? It's not the cable box.. it's not even CableOne.. to be honest, this is about the person that CHOSE not to insure themselves.. it's about people who CHOSE to blow their money on things that are not important, over look the things that ARE, and when catastrophe strikes, here we are..

Let me put a REALISTIC face on this for you.. throw big business aside.. even big or small government - which ever you like. How much do you, or anyone else here, really ever plan for the worst? And don't say you really have it all covered.. and don't say that "society has to pull together".. but let me tell you, this country hasn't yet seen the worst. What do you think will ultimately happen if major earth quakes ravage a region like the Midwest in our life time? What about a major one in California.. Government, who does the first response, will be so overwhelmed that they can't possibly take care of everyone... yet, today's society PLANS for the government to be there. While it may be the ultimate answer in the long run, the point I'm making is that you STILL have to plan for the worst, NOW.. people will dismiss this as "that's just nuts.. Earthquake.. right! Be dramatic".. that will reign true until something like that happens. Katrina is on the base of this issue.

It's up to people to take care of themselves first.. these people didn't, clearly.. and to be honest.. we don't even know. You're getting up in arms, falling for Karl's usual flame bating with a story that comes from the Consumerist, of all places.. all this blog post really is about, this time, is getting the readers of BBR to be outraged - as often is the case.

The MSO's are not selling me a box they're selling me a service, and the stupid box DVR or not is just an access point into the network. It's much more lucrative to sell VOD, or Premium Services than it is to claim $500 for a crappy piece of plastic box, and lose the customer to DirecTV or Dish, because my crappy henchman were too worried about recouping the imaginary "value" of the stupid access device, meanwhile the potential income from selling them Digital Cable plus HBO, plus VOD just went out the window.
Spare me and everyone else the rant on the business model.. okay? It's not even near the point. The point is that someone agreed to something EAGERLY to get the service, and agreed to all the terms, however, people such as yourself here, as usual, never want to hold good to THEIR promise of what they accepted - as is the case in what you are defending here.

I could care less about your agenda to hate cable.. or even anything else.. I can sum this one up easily for you.. what good is YOUR word if you're not going to keep it? What does that say about you as you sit here and say that business people are scum. You want scum? It's someone that gives you their word, makes a promise, then turns around later and spits in your face and says "too bad".. sorry, but that's EXACTLY the attitude of this particular subscriber who says "I'm not going to pay, on principle".. WHAT principle? This man's own word is garbage!

Just as quickly as the cable company billed for SOME of the lost equipment, this subscriber rushed to the media with his sob story and here you all are buying into it.. and you know why? .. it has NOTHING to do with reality or logic. You can't always pick and chose when to apply the law.. that in itself is an outrage. While these people are "suffering" the loss of a fire,.. how about the "suffering" of people who's homes are robbed? Loss is loss.. what makes one more tragic than the other? I've been broken into before.. I very quickly moved because I felt violated in my own home. There is no difference here.

As I said before.. the cost to rent a luxury DVR they didn't need should have gone to the insurance to protect "what little they have" which is what most people here are assuming in the first place. NONE of you know these people's financial position in the first place.. so stop jumping the gun.

myluvnttl78

join:2000-12-22
Ridgefield, WA
reply to fiberguy
said by fiberguy:

You obviously haven't had a renters or home owners claim have you?

it doesn't take a "long time before it paid out"... I just put a claim in on my house for weather damage and the check was in my hand with in 5 days.. One of my motorcycles was wrecked.. the claim was paid that same week. Most vehicle property claims are paid quickly too..

Sorry.. but that's not one that flies.

Insurance companies typically pay their covered and then fight each other to square up. Where people DON'T get paid quickly is when there is a question of actual coverage.. ie: was the water damage from flooding or other sources..

They didn't just go ask "that quick".. the accounts were probably stopped, the reason why was asked, and the equipment gets charged.. that's how business works and there is NOTHING wrong with that. This part of the entire equation, too, will all get sorted out as time comes.

I swear, you guys make it sound like the cable company sent hired goons out with bats to beat the money out of the customers.. I know it makes for an incredible "I'm outraged" feel good moment.. but you're also putting far more emotion into this.
Maybe that's why shit happen to you so many time cause you are a heartless piece of crap lol.....


Thespis
I'm not an actor, but I play one on TV.
Premium
join:2004-08-03
Keller, TX
reply to fiberguy
said by fiberguy:

Where was the responsibility of these subscribers (renters/home owners) BEFORE the fire?

When a fire happens that when it's time to think about getting your ass out and getting to safety.. BEFORE the fire happens is when you think about protecting your self from these kinds of tragedies.. NOT after.

Sorry.. not insensitive on his or even the cable companies part.. it's the lack of planning and carelessness of the people that didn't take the steps to protect themselves.
Where does the article say that the fire victims have no insurance or that they refuse to pay for the STB's?
The point of the article is that Cable One was insensitive to ask for payment so soon after the fire. Why would it be a bad business decision to wait 10 days and why do you assume that the apartment residents are deadbeats?
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Pick two...


woody7
Premium
join:2000-10-13
Torrance, CA
reply to fiberguy
Um yes I have and it took way more that 5 days.
--
BlooMe