> Your parents insurance won't pay out when their house burns down ....
Only if the investigators figure it out!
(They will. They're absolute experts at their job and a fire started by this contraption will be quite obvious)
As an insurance adjuster, unless the a fire martial or someone tells me it looks Intentional. I don't have a policy exclusion for fire caused by stupidity. And we are not absolute experts on fires, we are experts in Insurance claims and possibly repairs to certain types of property.
Most fires at my insurance company (one of the biggest) don't have any professional fire investigators check, because the only commonly relevant exclusions are intentional damage, and fires that spread across a large area before your property.
Idk why everyone assumes insurance can deny you on the grounds of stupidity.
Now, if your insurance finds out BEFORE the house burns down, now that is a different story, or if the contraption was there but purposely hidden at the time the policy was created. Lastly if you assume we will deny it and lie about the cause of the fire, then that can be a major issue aswell.
> Idk why everyone assumes insurance can deny you on the grounds of stupidity.
>
>
Because insurance companies have, time and time again shown that they're horrible and will use any excuse they can to deny a claim.
Not really, I can understand why it may seem that way since I have agents that sell the policy constantly saying something should be covered even when it is written in bold on the policy exclusions page of the policy they sell to people. However, if talking about home and auto insurance, unless you have a non-standard policy, your policy will be nearly identical to everyone else in your whole state with minor adjustments and optional coverages. Everything that is commonly denied are situations that have been and will continue to be denied in that state.its why I think it's funny when people threaten to go to a different insurance company.
incompetence is rampant, and from a customer perspective it is only their one claim that was denied and nobody told them it wouldn't be covered in that situation. But from the company perspective, they have a standard policy slowly made via trial and error between all companies, the situation has been litigated into the ground many times for years, they send it to you to read, it is easily accessible to read, the language (on standard policies still) is not difficult even for a layman, and people are still surprised when something isn't covered.
Very rarely will an agent put enough emphasis on exclusions and what is not covered and usually just speed through what is covered making it sound like absolutely anything is covered.
> Very rarely will an agent put enough emphasis on exclusions and what is not covered and usually just speed through what is covered making it sound like absolutely anything is covered.
So the fact that most people think insurance companies suck is because their employees cause it due to not caring about their clients?
Most agents are actually semi-independent or fully independent of the company who's insurance they sell.
When you go to an agents office, there is one agent and they are the head of that agency, even captive agents are almost completely autonomous.
It is really complicated, but insurance companies do not tell agents what to say, how to say it, or anything like that, that is left up to the licensed insurance agent.
> It is really complicated, but insurance companies do not tell agents what to say, how to say it, or anything like that, that is left up to the licensed insurance agent.
And yet it's the insurance companies that take the reputational hit (assuming you're entirely correct).
Seems like they're complicit.
I had video evidence showing that I was stopped at an intersection and the other car hit me and the insurance still tried to say it was both of our faults because we were both under the same insurance company. It took almost a year to convince them to pay out
I have only had insurance pay for my stupidity. (Broadsided a car with my bicycle. Full speed. Car was fucked, bike was fucked, l was fucked, homeowner's took care of it.)
A few hundred fire over the years, not usually my gig. Not sure what you mean by the property of firefighters, but I haven't ever done a claim on a fire station if that is what you are asking.
Property : vehicles, homes, items they've tried to sell in the past year.
My dad has done insurance for the last 15+years, and worked from home for most of those. Not many fire claims, but of the fire claims, at least 1/3rd of them were firefighters or volunteer firefighters. It became a running joke. I assumed other adjusters had similar experiences.
This is a bad plan.
Fire Monkey says no.
https://preview.redd.it/srtbin347l9d1.jpeg?width=500&format=pjpg&auto=webp&s=33af7760a127ca0e89c1adb1ecc3ea31cbf1e114
I cannot believe that this subreddit became a place with kids sharing worse and worse ideas every day. It is an inspiration for others to make stupider stuff until someone will die. Please stop
Nope Rope
Danger Noodle
Loops of Crimson Death
https://preview.redd.it/148kokh3pm9d1.jpeg?width=266&format=pjpg&auto=webp&s=74d03e16c57da996bc7ba426c6d724a9e4eb092c
Imthisnis almost certainly bait. But in case it's not please get a ceramic insulator on the mounting ends so the element isn't just raw doggin the wall
WHEN that house burns down, nobody is getting insurance money due to this negligence. This is so unbelievably irresponsible. Just cause you can doesnāt mean you should.
Your parents insurance won't pay out when their house burns down ....
> Your parents insurance won't pay out when their house burns down .... Only if the investigators figure it out! (They will. They're absolute experts at their job and a fire started by this contraption will be quite obvious)
As an insurance adjuster, unless the a fire martial or someone tells me it looks Intentional. I don't have a policy exclusion for fire caused by stupidity. And we are not absolute experts on fires, we are experts in Insurance claims and possibly repairs to certain types of property. Most fires at my insurance company (one of the biggest) don't have any professional fire investigators check, because the only commonly relevant exclusions are intentional damage, and fires that spread across a large area before your property. Idk why everyone assumes insurance can deny you on the grounds of stupidity. Now, if your insurance finds out BEFORE the house burns down, now that is a different story, or if the contraption was there but purposely hidden at the time the policy was created. Lastly if you assume we will deny it and lie about the cause of the fire, then that can be a major issue aswell.
> Idk why everyone assumes insurance can deny you on the grounds of stupidity. > > Because insurance companies have, time and time again shown that they're horrible and will use any excuse they can to deny a claim.
Not really, I can understand why it may seem that way since I have agents that sell the policy constantly saying something should be covered even when it is written in bold on the policy exclusions page of the policy they sell to people. However, if talking about home and auto insurance, unless you have a non-standard policy, your policy will be nearly identical to everyone else in your whole state with minor adjustments and optional coverages. Everything that is commonly denied are situations that have been and will continue to be denied in that state.its why I think it's funny when people threaten to go to a different insurance company. incompetence is rampant, and from a customer perspective it is only their one claim that was denied and nobody told them it wouldn't be covered in that situation. But from the company perspective, they have a standard policy slowly made via trial and error between all companies, the situation has been litigated into the ground many times for years, they send it to you to read, it is easily accessible to read, the language (on standard policies still) is not difficult even for a layman, and people are still surprised when something isn't covered. Very rarely will an agent put enough emphasis on exclusions and what is not covered and usually just speed through what is covered making it sound like absolutely anything is covered.
> Very rarely will an agent put enough emphasis on exclusions and what is not covered and usually just speed through what is covered making it sound like absolutely anything is covered. So the fact that most people think insurance companies suck is because their employees cause it due to not caring about their clients?
Most agents are actually semi-independent or fully independent of the company who's insurance they sell. When you go to an agents office, there is one agent and they are the head of that agency, even captive agents are almost completely autonomous. It is really complicated, but insurance companies do not tell agents what to say, how to say it, or anything like that, that is left up to the licensed insurance agent.
> It is really complicated, but insurance companies do not tell agents what to say, how to say it, or anything like that, that is left up to the licensed insurance agent. And yet it's the insurance companies that take the reputational hit (assuming you're entirely correct). Seems like they're complicit.
I had video evidence showing that I was stopped at an intersection and the other car hit me and the insurance still tried to say it was both of our faults because we were both under the same insurance company. It took almost a year to convince them to pay out
I have only had insurance pay for my stupidity. (Broadsided a car with my bicycle. Full speed. Car was fucked, bike was fucked, l was fucked, homeowner's took care of it.)
How many fire claims have you had, and how many of them were for the property of firefighters?
A few hundred fire over the years, not usually my gig. Not sure what you mean by the property of firefighters, but I haven't ever done a claim on a fire station if that is what you are asking.
Property : vehicles, homes, items they've tried to sell in the past year. My dad has done insurance for the last 15+years, and worked from home for most of those. Not many fire claims, but of the fire claims, at least 1/3rd of them were firefighters or volunteer firefighters. It became a running joke. I assumed other adjusters had similar experiences.
I never really ask where people work, so I can neither confirm nor deny.
*when their house heats up
https://preview.redd.it/52cnszqsnl9d1.jpeg?width=1408&format=pjpg&auto=webp&s=b9c97bbbd5b0625d895806c84d218858c6329723
Lmfao immediately what i thought of! š
This is a bad plan. Fire Monkey says no. https://preview.redd.it/srtbin347l9d1.jpeg?width=500&format=pjpg&auto=webp&s=33af7760a127ca0e89c1adb1ecc3ea31cbf1e114
*sprays water*
It stops burning or it gets the hose
Just NO
Looks like an old kreosan video.
"This is a simple 100kW space heater we made at home"
āYou can hear the villageās diesel generator struggling from the loadā
House fires are also effective heaters
Is that not how this would work anyway?
Kreosan style
Imagine that falling on you if you are under it and you get tangled in it!
It burns deep in your skin and stays there
Pov: you're dead but you don't know that yet
# Untilā¦
I cannot believe that this subreddit became a place with kids sharing worse and worse ideas every day. It is an inspiration for others to make stupider stuff until someone will die. Please stop
Some *n3Xt LVl* shit going on compared to the jokers snacking on tide pods
Fucking **NAHHHH** bro...are you insane.
Well, it will heat his house by burning it š
r/oopsthatsdeadly
Effective house burner too.
Y!!!!????
The automatic house igniter
Effective heater for sure Effective fire starter also sure
Jfc lol
Looks safe enough
Effective home *igniter*
I usually just plug a heating lamp into 200' of 16ga extension cord in a single coil on the floor. But that's just me.
That's a terrible idea. Heat rises; all you're doing is creating a warm pocket by the ceiling. Run the cables at knee height instead.
had my fan running for circulation
This is the police. You are under arrest. Please do not resisā¦ ah shit heās already doing it.
I was about to say alright electro boom, but I saw the Reddit name
This beats both infratech and bromic
Your effective house burner...
Ahh yes... Your (effective) house burner.
It will burn you or your house or something else just like how it did mehdis shorts, so ill call it a your (effecitive) room burner
Nope nope nope nope nope
Nope Rope Danger Noodle Loops of Crimson Death https://preview.redd.it/148kokh3pm9d1.jpeg?width=266&format=pjpg&auto=webp&s=74d03e16c57da996bc7ba426c6d724a9e4eb092c
Lol better be tapping the power or its gonna be a nice bill
Moment before the house burn
Uh
What if accidentally it falls on you? Then what?
Ah yes the band Death from Above 1979! Love it!
Imthisnis almost certainly bait. But in case it's not please get a ceramic insulator on the mounting ends so the element isn't just raw doggin the wall
I understand fire hazard I don't understand what is it?
What if that falls on someone
what if it burn out and fall on you asleep?
Reminds me of when Mehdi made an "Electric seat warmer." Lets just say that didn't really go well...
bro copied the heat warmer seat video
Thatās a really effective fire hazard
Imagine that nice hot wire falling across you while youāre sleeping though.
YOU TRY KILL YOUR SELF SIR
Cool room heater till it falls on you while your sleeping
WHEN that house burns down, nobody is getting insurance money due to this negligence. This is so unbelievably irresponsible. Just cause you can doesnāt mean you should.
No reason insurance won't pay out