Homeowner trying to get his house condemned because he says he’s living over a sinkhole
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- เผยแพร่เมื่อ 5 ต.ค. 2024
- Frank Besednjak built his house in Mt. Washington 30 years ago. When his walls started cracking and his doors stopped opening, he started investigating.
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I love how insurance companies are complete trash.
They want your money without having to actually do anything when the time comes
Pure Evil
They will wait til it collapses before saying we had the paperwork all ready. Disgusting.
Yeah, because they are following the terms of the insurance, just like they are legally required to do. If the house isn't condemned, it can't pay. You're crying that they won't pay before it's condemned.
@@GameHackingGuruu obv don’t listen to well
People have DIED in homes that disappeared into sinkholes. Just condemn it already!!!
Right?? How much more proof must this poor guy show the city? You would think after reading the geologists report they would act. Gotta wonder if the insurance company has been in contact with the city, you know? Sounds like the city is stalling. Hmmmmmm
especially from shifting caused by nearby drilling in some cases
Exactly - I would stop living in the house right away. I would not want to be in that thing when the ground decides to catastrophically let go and swallow the house.
This man obviously has never learned how to work a system before. They'd have to add entirely new rules to the playbook for what I'd do...
@@avamasquerade and what's that?
its crazy that people need to make problems like this public in order to hopefully get them fixed.
The story does not assert that whatsoever. The city is already looking into it.
They are “researching how to handle it” lol
Sign a document and say it’s condemned. Let him collect his insurance and that’s that. Why does the city have to make it so difficult.
@@DanburyDK If they're smart, they're double checking everything the owner claims. They don't want to be a party to insurance scam. If everything checks out, they'll condemn it with no issues. We don't know the timeline, the best guess is April 23 when he made the first mark. That's only about 6-7 weeks at the time this video went up. If he can afford to live in a house like that, then he can afford a hotel room for a few months.
@@Drebin2293you don’t know his cash condition
@alexanderchenf1 you can tell from the amount of property that he is comfortable for money.
He needs to get a lawyer ASAP. He has the proof from the geologists that this is a real sinkhole under his house, so he will definitely win and be able to get it condemned so he can get the insurance payout !
I mean, if the dude got a geologist I'm pretty sure he has a lawyer.
I’m sure the insurance company would mark it as “act of god”. Hopefully! I don’t see how having a home on top of a sinkhole is good for any insurance company!
@@PixieLove5 In what universe does it make sense for insurance to write a policy specifically for sinkholes and then deny coverage based on a sinkhole? Or are you one of those people who comment without watching the video?
The risk the policy poses to the company is irrelevant, the whole point of insurance is to pool and mitigate risk. It's up to the company to have an accurate model and either price a policy appropriately or refuse to issue one.
@@someguy6075 that’s….what I said 😭 thanks for reiterating though! I don’t always explain things very well but yours was definitely a better explanation.
@@someguy6075 but to explain further on comment: an “act of god” is when something happens that’s beyond anyone’s control. You’re correct, a company isn’t going to write out a policy specifically for sinkholes. That’s why it’s called an “act of god”. That’s the policy name.
It’s the same thing if a tree falls onto your home. If you can prove that there was nothing that could be done, then insurance writes it off as that act.
Once i saw all those signs I would never sleep there again.
Yup
I agree
Insurance won't pay unless he lives there.
Awful insurance policy.
Scary.
Just stay somewhere else like family lie and say you live there if it completely sinks say you was at a store or something when it happened easy why are people so difficult
Sounds like a lawsuit needs to be filed against the city
They are not worried. They just wait till the entire house with the owner inside falls into the sinkhole, after which they will offer their "sincere condolences", find a scapegoat to fire, and that will be the end of it.
@@stepzend132 Yeah much cheaper for them.
@@cody1648 how is it cheaper? They literally just label it condemned.. that's it. You guys have some dumb conspiracy theory that would take so much extra for no reason
@@magnumxlpi i say sue the state also the people who built the house also the insurance companies as will for not paying out & forcing someone to live in a house that going down slowly i tell them NO pay me now or else the city pay for it
@@havok9001 easier said then done.
“They are trying to figure out how to handle it” Just condemn the house! Always gotta put people through hell for no reason
What they really mean is: We are trying to figure out how to handle it without us paying money or get sued fo allowing building in an unstabel area.
Exactly!!!
Bloodsuckers 🩸
Exactly. So annoying.
Exactly!
If I were him, I'd go live in a trailer or RV until the condemnation comes through if there are no family or friends to go stay with. This is just too dangerous... the house could fall into the sinkhole while he's asleep in the middle of the night. I pray this works out for him and that he stays safe.
I agree! After it is condemned any money spent for living outside of the home should be reimbursed.
Right!
You prayed now it will work out for him 😂
@@tylerseabook9423 I'm sure he appreciates any prayers he can get. Who cares what you think?!!
@@tylerseabook9423The power of prayer is the strongest force there is.
That’s a nice home that he worked hard for. I hope they condemn it soon so he can move on
Get out of that house! She is going down and you do not want to be there when it goes!
Exactly, his life is worth more than spending a few days or weeks in a hotel or family or friends house. Put his belongings in storage and leave. I know it could get expensive but is worth it.
@@bandido7994 I agree. Rescue his personal belongs and then get out, fast
@@LITTLE1994 Heck, leave most of the stuff. It's just stuff - I wouldn't risk my life or others to get furniture, etc out. Let Insurance replace that all. I remember houses in the news that collapsed in sinkholes without warning and it's occupants were never to be seen again. This guy has his warning. Get out and stay out.
If this guy doesn't get his house condemned before it swallows him alive, I hope the city goes broke from the lawsuit payout this guy's next of kin receives. He's doing everything right, the fact that the city is dragging their feet on this is incredulous. Praying he doesn't fall victim to this situation any more than he already has.
raise our taxes and keep there salaries perfectly intact while we dig deep in our pockets for there crimes and blatant mistakes
i dont think he can sue em, they didnt do it, im pretty sure theyll end up condemning it for him because theres nothing for them to gain by not doing so, what they dont want is to be sued by the insurance company so they really gotta cover their asses and do their homework first... insurance company legal teams are no joke, and this is happening in other places all resulting in exactly what this homeowner is going for... so dont get your pitchforks and torches out just yet (they are gonna have geologist all over that place before they do shit, what if its not just his house? never just one sinkhole lol)
I love how the insurance company is trying to scam him..pssh.. The amount of drama in a country with so many, so called Christians
@@SpaceRanger187 I love how you think the city not condemning a property is a scam by the insurance company, which already agreed to pay for the house once it's condemned.
@@nobodyspecial4702
An insurance company would never pay someone off to save a few million bucks would they?
I’d be scared to death living there. I can remember when a sinkhole opened up somewhere and half of a house fell into it. A man was sleeping in the part that collapsed. There was no way to safely retrieve him. The sinkhole became his tomb.
That's what I was thinking too! This man still has all his stuff in there, cats too. If he can't afford to leave, pitch a tent in the safe part of the yard.
@grumpyoldlady_rants It happened in Seffner, Florida in Feb 2013. (I lived in the next town over from there when it happened.) The man who died was Jeffrey Bush. They ended up tearing the house down, & filled the hole with gravel. A year & a half later, _the same sinkhole reopened._ A woman was walking her dog past the 'former' sinkhole when it suddenly reopened. Thankfully, neither one of them were hurt. ~ As soon as I saw the title of this video, the Seffner sinkhole (same one as _you_ mentioned in your comment) was the first thing I thought of. ✔🌷
That's messed up. I hope this man won't suffer thr same fate.
I'm sure he moved out.
It happened in Florida of all places
Poor guy, what is the city waiting for? He has all the information needed to condemn the house
The city clerk is using bureaucracy. Rule x and x states, the house has to literally fall into the sink hole for it to be condemned. Just like cops not being able to act until a crime has been committed (e.g. a stalker has killed his prey).
They’re prob waiting for him to b swallowed whole just to be sure 🤦♀️
well if the city condemn it they will lose tax money from the property. Big government scam
Death/disability settlement is cheaper than insurance payout. It's a game and if he doesnt get a lil more cunning, he's gonna continue to spend whats left of his shortened/able bodied life out there with the losing kind...
@@avamasquerade The city has no financial incentive here, they just condemn it or don't. They're not the ones backing any insurance policy.
Insurance be like: "We're sorry, this was a preexisting condition before you built your house- we can't pay out for this."
This happened to me. After I made a claim, and had their 'specialist' come through, they said they were going to deny me. I said, I do not want to proceed forward with my claim, your 'specialist' said there was nothing wrong with my property.
They said, that can't happen... decided to increase my premiums by over $800/y (Progressive)... so I cancelled them and switched.
"Homeowners" insurance is like health insurance. EVERYONE is scamming citizens out of money.
@@joselase6894
That is all insurance companies. Auto insurance is the same thing. They are get rich quick schemes designed to scam people of their money. People pay and pay for years and get nothing in return. Insurance premiums should be tax deductible. We should be able to get something back especially if we have not filed a claim on the policy.
@@lucycan6363so true, what is the point of insurance if they won’t cover any damages lol. If auto and home insurance wasn’t required I wouldn’t bother lol
This guy is awesome. He’s documenting the house sinking with a leveler and he drilled a hole to see what’s under his house. I wonder what he did for work. He obviously has a lot of money and knows how to use tools
😂
i actually got my dad that same snake camera the man uses. my dad loves it. he puts it in every nook and cranny he can find. even drills holes to look inside. it became popular on tiktok and twitter.
I had this exact thought.
hows he measuring it sinking? wouldn't a laser level just sink with the house?
@@thseaqueen2938 I’m assuming it’s through a window, or he’s comparing 2 sides of the same wall. If you can imagine one side may be lowering, cracking and visibly lower. I would like more info on this as well
It's a very simple fix, condemn the house. The bureaucrats should lose their jobs for their incompetence
If his name was Trump, they would’ve already paid double for the house and condemned it.
Typical insurance company, always a loophole or fine print.. you pay and pay and pay, but god help you if you ever actually need it... I feel for this man, and hope he gets a positive outcome, absolutely gutted for him, looks like a super nice home and land, such a shame.
The fact he still lives there is scary, thinking you can dart out the door as your home falls 20feet into the ground is wild!
YEAH IF HE CAN MAKE IT OUT THE DOOR....GET YOUR THINGS AND GET OUT WHILE YOUR FIGHTING THE CITY TO CONDEM IT
I hope he is a light sleeper
It's incredibly reckless that hes still living there. He was discovering new cracks as they were filming. I don't know why anyone would want to be in that house as it is currently sinking.
I wonder if it's a part of the plan on his end, now if he gets hurt or killed from the house collapsing he has an undisputable case against them, or at least his next of kin does if he croaks.
Maybe he wants he story to force cities to look at other houses n how n where they're built and do something before it's too late
So sad, because that is a nice house, too.
It's mcmansion GARBAGE.
@@CrimTube You don't know that without looking at the construction techniques used to build it.
You're not showing intelligence with your post, you're showing envy. Work harder.
@@dr.emilschaffhausen4683 he has a mctent house.
@@brainwashingdetergent4128 That's what I'm guessing.
@@dr.emilschaffhausen4683 the best part is thats not even remotely close to a mcmansion its architecture is very consistent and the roof is too no professional would consider that a mcmansion. He is showing his level of ignorance and jealousy I feel sad for him really.
There was a house years ago in the news that was literally sucked up by a sinkhole. There was a person inside the home and they decided to not try and recover the body and just buried over all of it.
that sounds interesting. what area/state are you in? id like to look it up
@@snypa-ck7hn just Google sinkhole swallows man in bedroom it's on TH-cam.
I believe it was in Land of Lake Florida every time I remember like it happen yesterday.
@@Chinaglo24 why am i not surprised? Florida is ground zero for sinkholes. Thats why i would never buy a house there.
@@wiiiz3 but if you notice it mostly happens in central and west Florida but it’s these hurricanes that ran me out of Florida.
all insurance companies want to do is deny claims...deny deny deny...they just tried doing that to me so i sued them and then they were like ok we will cover your claim..f them
Yupp they just want everyone’s money. Making so much money
Fuck insurance companies 😡😡😡😡😡
Pack your stuff up, put it in storage, then get out. You don’t want to be like that poor man in Florida that went down with his house. Frightening !
That's terrifying. Bad way to go if it collapses on him
This is so terrifying , my gosh. I will praying for him and his cats. The cats will let him know when something is not right. They are incredible beings, and see and hear things when we can't.
The cats will know, but only a few minutes before and it won't give him much time especially if he's asleep. Hopefully he'll move before something so drastic happens.
My cats knew about the Nisqually earthquake about five minutes before it happened and all four of them raced for the cat door one right after the other. I was very puzzled until the hanging plants started swinging. It took them several hours to come back afterward because they thought something was wrong with the house, but luckily there was only one crack.
@@krisniznik3953 Wow , I I so glad you and your cats are ok. That's very scary. Hopefully he'll get out before something bad happens. I feel so sad for him. Because the home is so beautiful. The city will drag it out as long as they can. Have a beautiful week ❤
@@rdfbeauty >^:^< You too!
Thats crazy at any point it could collapse!
Insurance companies like to collect premiums for eons and then refuse to pay out. This man paid his premiums for 38 years and now he needs back what he's paid for all those years. Someone has to be decent to this man and condemn the place. A Zoning Administrator should be able to do this in his county. I feel for the guy, work all your life for a nice place and now you have to deal with headaches and people not owning up. I hope he gets every penny and can build a new place.
The next thing he has to worry about is the appraiser. The insurance company will send out their "appraiser" who will then proceed to appraise this condemned house at what he thinks will be best for his employer. What will be the going price of condemned houses in the area? How much will his house be worth? That's the big question. Crooks all around.
File a lawsuit! Force them to condemn it.
Its amazing how fast a city will condemn a building say due to a fire that can be fixed with proper care. But yet something like this that has no hope of being fixed they drag feet along and see who gets hurt in the process.
He should sue the developer, they should never have built it in that location.
30 years later? Good luck. Another thing. They had to do testing to in order to get the permits to build. If the builder was okay’d that means that he’s clear. But yeah, 30 years later, even if he was in the wrong that statute of limitations is way way up.
@@franko8572 can he sue whoever gave the permit? sounds like the city.
There is nothing for the city to research just condemn the house and get the man out of this dangerous condition. It's just that simple.
Honestly if he has ANY friends or family in the area just stay with them until it’s resolved.
It would be the right time for him to go on a long vacation...something on his bucket list?
Oh no he is stuck now because if he does what you are saying he has abandoned the property. one more reason for insurance company to say nope. I know i know what u said is actually common sense and natural but we are dealing with insurance company so........
@@godswillm575 How is it abandoning the property? That involves giving up your rights to it. As long as he continues to pay whatever bills are on it and maintain it, it's not abandonment.
@@alexapuerta look into how insurance companies deal with houses where nobody is physically staying. You will get it. There are clauses and all in policy docs for that
@@godswillm575 I see. I wasn't aware that some policies don't cover if the home is vacant. Still, a vacant property isn't the same abandonment.
Id take and salvage all the good stuff, like the kitchen cabinets, counters, appliances, light fixtures, ceiling fans, hvac heating and air units, interior and exterior doors and windows, bathroom fixtures, toilets and vanities, tub, garage doors and openers, electric circuit breaker box. Take all of this stuff store it in movable trailers or pods units. See if insurance co will give you money to build a new house, and you reuse all these items thus saving your insursnce co money, heck when the house is bulldozed, the bricks can even be reclaimed, and reused on your new home. Several years back i did this to a home that was unlivable. Home was 10 yrs old. Me and 5 others had the house gutted of all valuable materials in a matter of less than a week. Had to rent several pods units to store everything we salvaged. Homeowner purchased new land, and rebuilt a house almost identical to the one that was condemmed by using the original blue prints. You can obtain copies of the blue prints from your local city hall. All homes have their blue prints on file. Needless to say it was fun salvaging all the items and then reusing them in the new house. Since i am a heating and air guy i reinstalled the original hvac unit, and did a lot of the electrical work. Such a nice house you have. Very sad to see it sinking.
@@karlwithak.not really. There’s a reason people go in abandoned houses and steal EVERYTHING. It’s worth stuff.
Of course while you are spending all that time removing the kitchen cabinets, counters, appliances, light fixtures, ceiling fans, hvac heating and air units, interior and exterior doors and windows, bathroom fixtures, toilets and vanities, tub, garage doors and openers, electric circuit breaker box - the house finally decides to collapse into the sinkhole and swallow you whole - just like the guy in Florida who's house collapsed into a sinkhole - never to be seen again. Not worth it. I'd leave everything where it is and get out. That house is coming apart.
I remember this sinkhole tragedy a few years ago that happened in Orlando, Florida. This guy was sound asleep in his bed when a sinkhole suddenly opened up underneath his bedroom! When he realized what was happening, he scrambled to get out but, it was too late! People heard him screaming for help but, the earth caved in on him, making it impossible for him to be rescued. Without hesitation, the hole was sealed immediately to his family's dismay. I hope the city and insurance company make a decision soon before it's too late! I wish he could move out or somewhere else until these foolish bureaucratic clowns get their s**t together. Good luck sir.
That news reporter is brave because I would have interviewed him outside 😂
Poor guy that’s such a beautiful home too
Kentucky has a lot of limestone in its bedrock that disintegrates over time. The land may very well have been fine 30 years ago, but now it's deteriorating. This is a common occurrence in that geographical area.
In FL it’s limestone too but basements are banned.
So useless city workers again like usual. "Researching how to handle it." Condemn the house already, this is shut and closed case. There is nothing to research.
Guy did a lot of research
Good for him
Hopefully the city helps him
this guy has to have an IQ of at least 100
If at all possible, he needs to get out now! Please don't wait for it all to collapse! Concentrate on the condemning process and suing the developer.
They built an entire development on the Sunshine Coast in B.C. On the side of an unstable hillside. People bought their dream retirement homes and had to move only a couple month after moving in. It devastated peoples lives. The developer can be sued, but in the meantime they need somewhere to live and keep paying bills.
Sounds like *karma* to me. The ultra-rich destroying the natural environment. F'em.
I would never have thought to get sinkhole insurance. It's a shame the builder did this to him.
so Sad for him ...Good guy does the right thing gets Effed over by the system meant to protect us...Beautiful home sad to see it go
This is ridiculous. They obviously need to condemn this home quickly. Its so dangerous for him to love there. He needs to get out of that house
I hope he sues those city officials who are dragging their feet, personally.
They aren't dragging their feet though.... across the US, the average wait time for such an application is well over a year. They need to not only see the information he brings to them, but verify it on their end, hire experts of their own to go out and reach a conclusion, but he may also not even be "next" in line.
@@someone-ji2zb How would you know? Literally what are you referencing that you definitively know that in all US states and counties that this is the case? I'd love to see your sources. And even if that's so, it doesn't make it right. That man could die.
I’d definitely get my crap packed and get it moved out,would let some weight off. Bare minimum in house to live with. City better move it along the red tape quicker. Pester,pester,pester them.
Such a lovely home, that’s scary though. There’s no way I could live there, I’d find a rental until the insurance pays out and I’ll certainly file a lawsuit against the city because how was this even allowable to begin with
Lolol this is INSURANCE CORPORATIONS you're talking to!! Immediately after you leave your home, (and their P.I got pictures as evidence) the corporations Lawyers will say to the judge, that you abandoned the property so no insurance payout.
Lolol
Citizen: I'm living over a sinkhole and I might die....
Government: come back in a month and we'll let you begin a pointlessly complex process...
That is one expensive coffin my guy
This is heartbreaking. Beautiful home destroyed and he’s stuck.
If they never run into this problem how do they “research”
Always, always get a geotechnical engineer to test the soil of your potential building site. Compaction tests too.
If he hired a geotechinal engineer and it was confirmed that it was built over a sinkhole, the insurance company should move on it.
Who the fuck would know this shit! Oh just get a fukn geotechnical engineer?!?! Who the hell even knows where they are?!?! Shut Up! They already make us hire home inspectors! They should know this!
Insurance companies cover everything except claims it seems .
Its been 3 weeks, hope hes got it taken care of! ❤
Such a beautiful house damn.
Do they not perform engineering soil analysis in this area prior to foundation design?
This is ridiculous! I hope they gave him his money!🙏🏻
Why aren't the city officials doing their jobs and representing this citizen? Condemn the house already.
Im level headed person in stressful situations, but he is a lot calmer than I would be
House looks dope, it’s a shame.
Hes my grandpa im not joking but ive been in the house a ton its really nice but now hes living in indiana on the border in a apartment
It’s insurance company’s being able to do this should be unconstitutional
The insurance industry at its finest. Soo sad that this is allowed to happen
😮.. the house is still standing... Till the day it isn't. Run, don't walk out the front door NOW
This is one of those situations where he won't get any help till the house collapses.
Insane thing about this is it’s moving super slow now but when it gets swallowed up it happens in an instant so yikes i hope nothing bad happens to him.
Insurance company needs to be exposed. Put there name on here.... People need to know who NOT to give them money. They wont pay out but if he misses one payment they ready to cancel... Time to make them responsible
Wow that's sucks what a beautiful house.
@Karl with a K how's that winning going for you while you live in the trailer park?
@@karlwithak.no that’s not no regular house lol
This man needs to be rescued.
Gives me goosebumps sometimes I be feeling like that about
My home like I feel random bumps but I think it’s me and then I see this video
They’re researching how to condemn home on a sink hole, with proof it’s on a sink hole from a geologist?
This is so sad and unsafe 😢. Praying he get the help he needs
He's turned it into a hobby with laser lights, color diagrams, monitoring. I think he's actually going to miss it.
Wow, this is MADNESS!! He needs to try to find somewhere else to say before the house swallows him whole! Such a beautiful home too, SMDH!
This man has a winning case. He needs a good lawyer asap. That house is dangerous
It’s a shame because the home is actually beautiful
what is there to research there is a hole under the house for sure and the house is showing signs of this. are they waiting for him to fall into it before they say....yar i see what you mean. what the hell is wrong with people.
Building homes and discovering they are on top of sink holes are happening more often than the public realize.
Anyone remember the show " Hard Copy"? I remember they featured one of the first public stories about this, a young man was swallowed by a sink hole as he slept in back room of his house. His older brother was in front of the home at the time and couldn't save him. The local news had captured the older brother crying out and trying to dig his brother out with his hands as first responders were grabbing him and pulling him away.
Through the years other people have gone to the press about discovering their homes were unleveled and causing massive damages due to cracks only to learn there was a sink hole underneath which caused the shift in its foundation.
I can't say it enough to survey the land extensively and more than once and with more than one contractor.
Please God protect this man and let him leave this dangerous property.
Damn the basement vid is so scary!
They’re questioning how to handle it….well that’s easy…condemn it. Why does everything have to be so complicated? The documents he has proves it’s on a sinkhole and never should have been built there…so condemn it and allow this man to get insurance money so he can build somewhere else. Then make sure that property is on record to never allow building on it again. If he has to continue to wait for something to be done his house could crash in and kill him. If I was him though…I would already be packing everything and moving it into one of those portable storage containers to be moved away from there if the whole thing starts collapsing so at least you would have all your things.
Just thinking about that dude who was in his room when his house sank into the ground burying him alive. Let the dude condemn it.
They just don’t want to pay out, probably just trying to wait him out because of his age
Beautiful home what a shame
That guy has got the guts to still live there? That house could sink at any moment. Hopefully not pray to God
Condemn that house and help him before he’s seriously injured!
Dude that is fucked! Best of Luck from Eugene, Oregon!
@@stickibug Explore the city and the surrounding areas a bit, it's so pretty. You will want to work hard to want to be able to live here. Many of us do it. Cheers
Beautiful home.
Gotta be a matter of time before the plumbing and electrical gives. Hope he gets help.
Such a shame. His house is amazing, he must've taken great care of it. He has a beautiful lawn, sucks to see this shit befall him.
Hope he gets to come back after this.
He may also need to talk to his life insurance policy holder. By knowingly his house was built on a sink hole, and publicly let everyone know about it, which is fine, and he decides to still live in the house. The life insurance policy holder could denied payment due to “suicide clause” or some other clause. I hope nothing happens to him, but he need to look into this immediately.
There was a man here in Florida a few years back, sinkhole swallowed him up while he was asleep in his bed, house & everything! They never recovered the man's body. The family is stricken with grief!
Get an attorney after the City! It will cost the City nothing to condemn the house and the owner can prove there is a sink hole.
Both the government and corporations are not on the side of The People.
I'm not that brave. Even after 30 years, I'd have to move out or park a camper nearby.
Your house has to be condemned in order for you get sinkhole coverage WTF I would be calling a lawyer this is wrong I had sinkhole and they took care of this was several years ago but this is still ridiculous this man needs to get out of his home before his life is taken
What a nightmare.
Time to find an attorney!!
Such a beautiful home; I hope his situation is resolved and he can rebuild another one just like it.
Insurance is a scam nowadays.
I hope he gets what needed
He absolutely deserves the insurance money. Insurance is a scam.
Insurance is obviously not a scam.