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Message: <blockquote data-quote="johnr" data-source="post: 133201" data-attributes="member: 395">Insurance fraud is the biggest theft there is. Nothing cost us Americans more. When the insurance company and/or lender who owns your house puts stipulations on the funds, it's not because they are dirty, it is because of your dirty fellow Americans sticking it to the rest of us.If the bank has their name on your house, regardless of how much percentage is "yours" it is the banks house.Mrs johnr was a banker for many yrs, she is still in finance but not the lending side, I have been an insurance sales guy for close to 20 yrs, I hear your frustration, but 99% of the time it isn't the fault of them or you, it's the God damn criminals making this crap happen.A bank, and insurance company is regulated more than any other type of business in the business world, they will get in as much trouble paying more than they should sames as not paying as much as they should. Insurance makes up close to 20% of the total economy, the government has their head up the ass of every company licensed to do business in our state, so if necessary call Adam Hamm's office and file a complaint, likely both your bank, and the insurance company are following the very rules your elected officials put in place for our own best interests.By the way I am not defending my occupation, just giving a simplified explanation of the rudimentary system put in place through our government oversight</blockquote>