Ting

[Jus Cruisin]

https://www.tingfire.com/
State Farm sent me an email about this home electrical system monitoring system. State Farm is picking up at least 3 years of the monitor cost and equipment.
I figured it can't hurt and ordered it. I received it yesterday and it uses an app. Took maybe 10 minutes to get it operational.
It's worth the zero out of pocket cost and who knows what it might save in the future. My home is pretty new so I really don't anticipate any issues arising but I figured it can't hurt.
Just an FYI for you State Farm customers. You might check out the availability in your state.

 

[jgoedd99]

https://www.tingfire.com/
State Farm sent me an email about this home electrical system monitoring system. State Farm is picking up at least 3 years of the monitor cost and equipment.
I figured it can't hurt and ordered it. I received it yesterday and it uses an app. Took maybe 10 minutes to get it operational.
It's worth the zero out of pocket cost and who knows what it might save in the future. My home is pretty new so I really don't anticipate any issues arising but I figured it can't hurt.
Just an FYI for you State Farm customers. You might check out the availability in your state.

View attachment 140293

Interesting. Never seen this technology before. I read the description on their website, and it appears they monitor voltage associated with each panel you have (if you have sub-panels each panel requires a monitor). The voltage monitor looks for "micro-arcs" which can occur in loose connections, bad connections, nicked wires, faulty appliances, etc. which can be precursors to a full fault.

Looks like a good concept but like most of these things that connect to the internet i am leary. I am going to do some looking to see if this technology exists without the external monitoring.

 

[Jus Cruisin]

I've got connections with ADT, Ring, Verizon, GMC, Chevrolet..... What's another?

 

[JHornsby3]

Sounds lie it might be another way for them to deny a claim.

Like when they denied a water heater burst and flooded out our house. They said it was because we didn't have flood insurance. Their agent came out and wrote up what we needed with two houses on a hill. Agent said to start the work and he would make sure it got taken care of. Got the floors and drywall torn out and they denied the claim and dropped us. Simple as that. Claimed we live too close to the creek that is over a 1000 yards away and almost 100' drop in elevation.

 

[TimW]

I've got connections with ADT, Ring, Verizon, GMC, Chevrolet..... What's another?

As long as you have no concerns about "privacy"

Kinda like those car insurance ones that monitor your driving. Like they won't use that against you!!


PS: Yes, I realize privacy is really pretty much of an illusion any more.

 

[Steve S]

Every once in a while I grab an Egg Muffin from McDonalds. First thing I am asked.. "Will you be using the mobile app today?".
Why the hell would I want a app that tracks what I eat and where I am?
Besides that, everyone has an app or tracking program these days... I cannot or will not sign up for all these things...

 

[JHornsby3]

As long as you have no concerns about "privacy"

Kinda like those car insurance ones that monitor your driving. Like they won't use that against you!!


PS: Yes, I realize privacy is really pretty much of an illusion any more.

Your vehicle already does that. In a crash, they can pull the "Black Box" and find out speed, braking, distances, wheel position and in most cases, what you had for breakfast and how fast it was going when it went through the car seat.

 

[TimW]

Your vehicle already does that. In a crash, they can pull the "Black Box" and find out speed, braking, distances, wheel position and in most cases, what you had for breakfast and how fast it was going when it went through the car seat.

Yes, but I think they need a search warrant for that.

The insurance ones rat on you to the insurance companies on a regular basis.

In any case, re-read the last sentence of my original post.

 

[highslice]

Sounds lie it might be another way for them to deny a claim.

Like when they denied a water heater burst and flooded out our house. They said it was because we didn't have flood insurance. Their agent came out and wrote up what we needed with two houses on a hill. Agent said to start the work and he would make sure it got taken care of. Got the floors and drywall torn out and they denied the claim and dropped us. Simple as that. Claimed we live too close to the creek that is over a 1000 yards away and almost 100' drop in elevation.

Yeah, not the company they were when my parents swore by them.
I left State Farm when they deleted "guaranteed replacement" coverage without informing their customers. They denied a friend of mine's roof damage from a hail storm even though almost every other house in the neighborhood had the roofs replaced by their insurance companies.

 

[JHornsby3]

I dont think they need a warrant if in an accident. That would fall under probable cause.

As for the insurance rates, yeah. Dad had a "caretaker" that used his new pick up. Told people around town it was hers. Took it for a long joy ride one night and the telltale ratted her out for ineccess of 100mph and again for off highway on unmarked roads. She blamed to scratches down the side of new paint, on me. LOL Dad got asked by insurance about both. He fired her shortly there after. LOL Found out she lied and wasn't licensed as a caretaker and was a theft and meth felon. Now she lives in a homeless camp. Damn Karma. LOL

But yeah

 

[Woody]

Sounds lie it might be another way for them to deny a claim.

Like when they denied a water heater burst and flooded out our house. They said it was because we didn't have flood insurance. Their agent came out and wrote up what we needed with two houses on a hill. Agent said to start the work and he would make sure it got taken care of. Got the floors and drywall torn out and they denied the claim and dropped us. Simple as that. Claimed we live too close to the creek that is over a 1000 yards away and almost 100' drop in elevation.

There's a quite a difference between an unexpected/accidental plumbing failure and an actual flood.

 

[Steve S]

Yeah, not the company they were when my parents swore by them.
I left State Farm when the deleted "guaranteed replacement" coverage without informing their customers. They denied a friend of mine's roof damage from a hail storm even though almost every other house in the neighborhood had the roofs replaced by their insurance companies.

I left State Farm after I had hail damage and they replaced the roof and only two sides. Had another storm and the roof was ok but the two sides had further damage. They denied the claim as old damage.

 

[Woody]

Yeah, not the company they were when my parents swore by them.
I left State Farm when the deleted "guaranteed replacement" coverage without informing their customers. They denied a friend of mine's roof damage from a hail storm even though almost every other house in the neighborhood had the roofs replaced by their insurance companies.

I had hail damage on my roof once, claim was denied. I asked them to send the adjuster out to the house again, I'd be with him this time. He couldn't see any signs of hail, he couldn't see the shingle damage even though it was quite apparent so I pointed to the aluminum covers on the roof vents and asked him what beat those half to death...he said 'OH'. The claim went through then.

 

[JHornsby3]

There's a quite a difference between an unexpected/accidental plumbing failure and an actual flood.

Um, yeah, I know. And that case was brought up. But they still refused the claim. All I know is when it was said and done, we paid for the subfloor, drywall and the time working on it. And paid for the work done by a contractor. After 10 years as using the house as a storage building, I have been replacing flooring as the rugs get worn out. The good thing is that it gives the wife time to think, rethink and changer her mind again on what she wants before it goes down.

 

[Jus Cruisin]

I guess I'm in the minority. I've had State Farm for 40+ years. No hassle claims on the house twice. Once roof damage in Florida the other was electrical from a lightning strike. They totaled a Corvette that was really repairable but I didn't want it back. They worked with me there. And a couple of other auto claims over the years. Always easy peasy.
Personally, I want to know if there is something not right with my electrical system. Especially if it detects an issue before it becomes one.

 

[Woody]

I've had State Farm for 50yrs. I have had to question them a couple times but things always were resolved. Like everything else, the individuals you sometimes have to deal with aren't much good at what they do.

 

[JHornsby3]

I've had State Farm for 50yrs. I have had to question them a couple times but things always were resolved. Like everything else, the individuals you sometimes have to deal with aren't much good at what they do.

And I think that is it right there. Had a drunk driver drive through out farm fence. It was drill casing welded with same cross bars. Then 5' chain link. It did it's intended job and stopped the driver from hitting a pine tree and killing him. But the regional adjuster came out (the driver had them) and said they wouldn't repair it. I asked for a meeting in person. The guys local agent had another adjuster come out. Repaired the fence and replaced two farm implements as well. That first didn't even look at the twisted rotavator and everything was void of the inspection sheets.

So, yes, it really boils down to who you are actually dealing with.

 

[ttmott]

I've had State Farm for 50yrs. I have had to question them a couple times but things always were resolved. Like everything else, the individuals you sometimes have to deal with aren't much good at what they do.

I've also been with State Farm for over 40 years and on this house since 1992.
That is until they pulled a fast one on me two years ago.
Never a claim on the home nor any of the cars BTW. My State Farm agent decided to turn over my homeowners policy to a non-State Farm agency with nothing more than a letter stating such. Here in Florida the State Farm agency had the home with Florida Peninsula Insurance which is a State-controlled insurance underwriter for hurricane and flood risk areas. The rates were reasonable that is until that agency submitted the renewal - it went up from $3600 to $6800 per year without any explanation other than they moved the policy from Florida Peninsula to Citizens (another state controlled high-risk underwriter). I went shopping and found a policy that had better deductibles and a lower rate for the same coverage. So, I didn't renew the home policy and went with Frontline insurance through another agency that is local to our area.
Both the State Farm agency and the other one they turned my policy over to called me and were worried that I didn't renew - I found a better policy at a better rate I said - Who with they asked - Frontline - well we carry Frontline - why didn't you then get me a rate and policy through Frontline I asked - well we have been so busy with all of the policies coming from State Farm we couldn't look at all of them..... I think I'll stay with Frontline and my new broker - what will it take to bring you back as you have been with State Farm for so long they say - an adjustment to the understanding who your customer is and a reconsideration of your ethics and moral compass - silence. That was the end of that conversation.
Now this may have been an issue with the State Farm agency that decided to move my policy but still State Farm - I'm forever tainted.

Now to somehow get the boat insurance within reason....

 

[Jus Cruisin]

I was always waiting for the shoe to drop with State Farm in Florida. Never did but we moved north shortly after Irma. Curious what would have happened. Our last home was inland and not affected by coastal surge but still I wouldn't have thought my agent would have handled a change like @ttmott agent. But, who knows. I do know they have gotten expensive insuring my truck and car...

 

[ttmott]

So, on the device subject - call me a curmudgeon but I'm very skeptical of any device that has access to my sphere of influence without my control. I know, it's getting almost impossible but I'm still trying. It's like these DNA family history operations and, as it ends up, they sell the information. In one case the entire data base was sold to some Chinese company. Can you imagine getting denied health insurance or a procedure because of your DNA information you gave that was sold?
Or repercussions from some insanely radical political group because of something you said in the privacy of your home and that information was provided to them? Alexa....
Or, how about State Farm terminating your policy or putting you through hell because your pool pump was sparking when switching from start to run mode or the minor sparking every time you turn on a light (they all do).

It's coming....