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Alfa Insurance

Theresa of Killen AL writes (6/13/02):
My husband and I bought our first home a little over four yrs ago. We both worked and had great credit UNTIL I hurt my back over two yrs ago. We had to file bankrupcy a yr ago and also had a break-in in our garage and had to file a claim in the past two yrs.

We received a letter from Alfa stating they were not going to reissue our homeowners. We have had our cars insured with this company for more than 10 yrs and I feel that since they had to pay out that they want to drop us now. I can't understand how they can do this. It seems so wrong and there needs to be a law against them doing this to anyone. I am still unable to work and my husband is working two jobs. I have called several different insurance companies and they either refuse us insurance or they want triple than what we are paying now. Our policy will expire the 24th of this month!

My husband is going to have to take on a third job now just to pay the extra ins. premium. We also had to file bankrupcy because he was not able to find a second job for several months after I had to quit. Then his textile job laid off! He was called back and continued to apply at different job openings and was turned down due to credit report! What is going on when people are hard workers and then fall on hard times and everyone wants to turn their backs on you and doesnt even want to give you a job?

My husband is a hard worker and has had the same textile job for over 11 yrs now. Now we might lose our home because we cant get insurance or can't afford the extremely high insurance that we will be forced to get! This is an outrage and I feel that this issue needs to come to the Legislature's attention!

I called and talked with our agent at Alfa and he told me that they were sorry but they had a new underwriter and he checked our creidit and saw we had a code 9! This has caused me ALOT of stress as well as sadness. I pray that God will help them see that what they are doing is very wrong and take in account that we have been with them for over 11 yrs and ask them to pls not add more heartache and pain to my life.

Unfortunately, this practice is becoming widespread (see story) -- and the state legislatures are not very eager to do anything about it.

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