What do you mean that's not covered?!?!

What is the point of insurance?  You force me to buy various forms of insurance to "protect me" but seriously what is the point.  I have health, vision, dental (because apparently those two don't fall under Health), Auto, Homeowners, Flood, Wind & Hail (because apparently those two don't fall under Homeowners), Home Warranty, & Life.  Do you know how much money that is annually and I don't get $hit!  It's basically just for catastrophic things now.

Every claim I have ever made I had to fight for it.

Flood - We flooded years ago.  1/2 the f**king parish flooded.  It wasn't a "busted" pipe it was "an act of God".  I fought tooth and nail to get what we got and we STILL had to do 35% of it ourselves because NFIP (FEMA) barely paid out.  And I'm not talking about contents...this is to FIX the f**king house.  Contents was an even bigger fight.

Health - I had an issue.  Not "pre-existing".  They wanted to charge me $3,000 on top of the $2,000 deductible because it was gonna be done in the outpatient clinic of a hospital.  But if I went to a Diagnostic Service it would be $250.  What the ACTUAL f**k?!?!  Because it was listed as a "hospital" even though it was in a clinic they wanted to charge me like I was being admitted.  My doc did it that way so he could do the procedure at the clinic but when I told him, he said "sweetie go where you need to, that is insane!" 

Auto - Many moons ago someone TEXTING and driving slammed into the side of me.  The police didn't issue a ticket because they "couldn't determine fault, with out a doubt".   After the fact, that b**ch lied and her insurance company tried to come after me, even though no fault was deemed.  We ended up walking away (thank god for pictures and WITNESSES) and each paying for our own damages but I fought tooth and nail to NOT pay an insane amount of money for her P.O.S. vehicle.  If I wouldn't have fought I would have been forced to find $4,000 because my insurance was refusing to pay because "no fault" or something.  I don't remember all the details, I just remember opening a bill and wanting to murder someone because I was 22 and poor.

Homeowners - Broken/Blocked sewerage line.  All the toilets and tubs were backing up.  Made the claim.  They came out.  The "break" was literally at the edge of the foundation.  Since it wasn't UNDER the foundation they wouldn't pay.  We are talking literal centimeters  and I was out of pocket $1,100.  Was quoted $4,500 but I knew a guy...  Basically we did ALL the manual labor and he charged us for the materials and repair. But it was 1/2 under...actually way more than 1/2 under, nope not covered.

Vision - its cheaper for me to pay out of pocket with a coupon.  For real.  How is that even possible?  I kept MINIMAL coverage for medical emergencies. 

Home Warranty - What a f**king JOKE!
Contract: We pay for drainage issues.
Me: *claims a drainage issue*
Them: No that's a shower pan issue.
Me: How do you know?  
Them: Well it sounds like a shower pan and that's cosmetic.
Me: How is that cosmetic?!?!!?  I'm not asking you to remodel my bathroom, I'm having a DRAINAGE issue.  As in its DRAINING OUT THE SIDE OF MY HOUSE!
Them: We don't cover that...
Me: But its a drainage problem.
Them: We cover all drainage problems EXCEPT shower pans.
Me: Where is that in the contract?
Them:  *reading back my contract* 
Me: Everything you just said...there are no EXCEPTIONS but it says it covers Drainage problems. Define Drainage.

Them: Um....hold Please

I talked to 3 more people.  When I countered what they were saying they got another "manager". 

Me: I am not trying to swindle y'all.  I just want the WARRANTY we paid for to pay for what it says it will pay for...a DRAINAGE problem.  

Them: Its a shower pan and that's cosmetic. We only pay for mechanical.

Me: You said Drainage how is that "mechanical"?

Them: The drain fails, that is mechanical. 

Me: Soooo if it was a shower pan and that "failed"

Them: It is cosmetic.

Me: How is it cosmetic?!?  I don't even know if I HAVE a shower pan, my house was built in the 70's!!!!

Them: It is rejected

So again, what's the point.  What will they pay for?  Nothing.  They will f**king pay for NOTHING.  They use legal loopholes to charge us out the @$$ for "coverage" and then don't pay out $hit!  Its a scam.  It covers about 5% of issues and that's it.  Everything else is out of pocket based on bull$hit.  That sounds like the worst agreement in history! Pay us lets say $3,100 annually and when you need us ONCE in 15 years for a $4,500 claim we say f**k you.  

Who can afford that?!?!?

I'm so over adulting!!!!!!!!!!!

Side Note - I don't have "crappy" insurance. Its good insurance, through reputable companies!!!