For those who are making comments re the victims in this case, you should talk to a few victims before you make silly comments about something you clearly do not know the facts on. I KNEW my policy inside and out and was FULLY aware and completely educated as to what was covered and what was not. I would be happy to receive only the amount I was shortpaid! WAY more than $1,000! That does not include overwhelming amount of time it has taken from my life/job/etc. for the last two years just to get a PORTION of what was rightly due to me! Believe me–if you knew all the facts of this case and what the people involved have been through, you would not make such offhanded comments.
It doesn’t surprise me, property adjusters are constantly trying to low ball claims. It’s impossible to get a fair settlement these days. Stick them with some punitive damages and take away the director’s salary and he’ll kick things into fairness. I don’t have any sympathy for the NFIP, it’s impossible to get anything from them.
The damages are real and devastating. Look at the two women in the videos, or read the congressional testimony. If you knew the facts you would be helping us instead of making hurtful comments. You profited on our backs and know want to pretend we don’t exist. We do. http://www.femainfo.us/legal_actions_conspiracy_suit.shtml
That’s a 2 with 9 zeros. If my math is right, that’s about 14 million for each “victim”. Of course the lawyer gets 1 billion, leaving the “victims” with only 7 million each. Still, that should cover a house with heat and indoor plumbing and a cement pond and acres for the kids to play.
Where are we heading that this seems even remotely reasonable? Someone shorted me $1000 so I deserve to live in luxury the rest of my life.
That’s a good point, how in the world could the claim amount be that much? Another point to remember for all the victims of this tragic event is “buyer beware”. How many people out there actually know what their flood policy does and does not cover. You wouldn’t buy a TV without knowing how to operate it. You wouldn’t buy a house without having it inspected. Right? Know what you are paying for and if you don’t, ask. That is what your insurance agent is there for. The sad reality is that no one really cares until after a tragic event like this has occurred. I hope all the victims of this event are rightly compensated according to the terms and conditions set forth in their policies, nothing more, and nothing less.
The $2bn class action represents $83,333 for each of the 24,000 claimants – please get your math straight before making silly comments; nevertheless, I agree probably 99% of the claimants got what they deserved according to the terms and conditions of their policy – they are just too ignorant and the michael jordan lawsuit mentality too easy to pursue with plaintiff attorney’s collecting % of winnings.
billions or millions??…your comments so offhanded and removed from feeling dont surprise me I am a victim and thats exactly the kind of BS that I have heard from all the bureacrats and agents that dig in my pocket and force me to pay for flood insurance then renig when a flood occurs..how can you folks sleep at night..I dont want a handout..just cover my losses HONESTLY as was stated in my policy…not the bait and switch and BS that we have been handed..
I suggest that you refrain from opening your mouth and letting your brain leak out until you get all your facts straight. I would be ecstatic just to get my house back. But it takes this kind of action just to get noticed in today’s climate. It’s easy to look down your nose when you have not been through the past 20 months staring at the remains of your house and not being able to do anything about it because you were cheated out of what you paid for. I know very well exactly what the policy says it covers and the terms of payment. Sit down and shut up until you know what you are talking about.
The Flood Policy is the same for everyone except for total coverage, deductable, and personal property coverage. It’s posted on the NFIP web site. The copy we get from our WYO is that exact policy with their name on the front page.
I’ve read mine. The policy says “We insure you against all DIRECT PHYSICAL LOSS BY OR FROM FLOOD to the insured property”. Under Coverage A – Building Property – “We cover your dwelling which includes – 2. Materials and supplies to be used in the constructing, altering or repairing the dwelling”.
When the adjuster comes out, we are told that they only cover replacing 4 ft up of the drywall, and will only pay to paint that 4 ft. Is it right, in a replacement cost policy to leave the wall with a line going around the room 4 ft high, and a two tone paint job ???
There are many things that are not spelled out in the policy , that a policy owner is unaware of, until a loss. This isn’t right and has to be changed.
Unfortunately it had to come to a lawsuit, it was a very difficult decision to file the suit. These have been very stressful times. If they had just paid me what my contractor estimated the work to be originally I would have been satisfied. Of course in the end it did cost more than that.
My first adjuster flat out told me not to file an ICC, even though I told him I already had the substantial damage letter from the county.
How the policies are written and given to the policy owners, and how they are adjusted are not equal.
Hey Jack Pot, the “Fact” that we were shorted out what was due us IS ILLEGAL. Since you readily admit it–maybe they should come directly to your place and ARREST you first.
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For those who are making comments re the victims in this case, you should talk to a few victims before you make silly comments about something you clearly do not know the facts on. I KNEW my policy inside and out and was FULLY aware and completely educated as to what was covered and what was not. I would be happy to receive only the amount I was shortpaid! WAY more than $1,000! That does not include overwhelming amount of time it has taken from my life/job/etc. for the last two years just to get a PORTION of what was rightly due to me! Believe me–if you knew all the facts of this case and what the people involved have been through, you would not make such offhanded comments.
It doesn’t surprise me, property adjusters are constantly trying to low ball claims. It’s impossible to get a fair settlement these days. Stick them with some punitive damages and take away the director’s salary and he’ll kick things into fairness. I don’t have any sympathy for the NFIP, it’s impossible to get anything from them.
The damages are real and devastating. Look at the two women in the videos, or read the congressional testimony. If you knew the facts you would be helping us instead of making hurtful comments. You profited on our backs and know want to pretend we don’t exist. We do.
http://www.femainfo.us/legal_actions_conspiracy_suit.shtml
That’s a 2 with 9 zeros. If my math is right, that’s about 14 million for each “victim”. Of course the lawyer gets 1 billion, leaving the “victims” with only 7 million each. Still, that should cover a house with heat and indoor plumbing and a cement pond and acres for the kids to play.
Where are we heading that this seems even remotely reasonable? Someone shorted me $1000 so I deserve to live in luxury the rest of my life.
That’s a good point, how in the world could the claim amount be that much? Another point to remember for all the victims of this tragic event is “buyer beware”. How many people out there actually know what their flood policy does and does not cover. You wouldn’t buy a TV without knowing how to operate it. You wouldn’t buy a house without having it inspected. Right? Know what you are paying for and if you don’t, ask. That is what your insurance agent is there for. The sad reality is that no one really cares until after a tragic event like this has occurred. I hope all the victims of this event are rightly compensated according to the terms and conditions set forth in their policies, nothing more, and nothing less.
The $2bn class action represents $83,333 for each of the 24,000 claimants – please get your math straight before making silly comments; nevertheless, I agree probably 99% of the claimants got what they deserved according to the terms and conditions of their policy – they are just too ignorant and the michael jordan lawsuit mentality too easy to pursue with plaintiff attorney’s collecting % of winnings.
billions or millions??…your comments so offhanded and removed from feeling dont surprise me I am a victim and thats exactly the kind of BS that I have heard from all the bureacrats and agents that dig in my pocket and force me to pay for flood insurance then renig when a flood occurs..how can you folks sleep at night..I dont want a handout..just cover my losses HONESTLY as was stated in my policy…not the bait and switch and BS that we have been handed..
I suggest that you refrain from opening your mouth and letting your brain leak out until you get all your facts straight. I would be ecstatic just to get my house back. But it takes this kind of action just to get noticed in today’s climate. It’s easy to look down your nose when you have not been through the past 20 months staring at the remains of your house and not being able to do anything about it because you were cheated out of what you paid for. I know very well exactly what the policy says it covers and the terms of payment. Sit down and shut up until you know what you are talking about.
The Flood Policy is the same for everyone except for total coverage, deductable, and personal property coverage. It’s posted on the NFIP web site. The copy we get from our WYO is that exact policy with their name on the front page.
I’ve read mine. The policy says “We insure you against all DIRECT PHYSICAL LOSS BY OR FROM FLOOD to the insured property”. Under Coverage A – Building Property – “We cover your dwelling which includes – 2. Materials and supplies to be used in the constructing, altering or repairing the dwelling”.
When the adjuster comes out, we are told that they only cover replacing 4 ft up of the drywall, and will only pay to paint that 4 ft. Is it right, in a replacement cost policy to leave the wall with a line going around the room 4 ft high, and a two tone paint job ???
There are many things that are not spelled out in the policy , that a policy owner is unaware of, until a loss. This isn’t right and has to be changed.
Unfortunately it had to come to a lawsuit, it was a very difficult decision to file the suit. These have been very stressful times. If they had just paid me what my contractor estimated the work to be originally I would have been satisfied. Of course in the end it did cost more than that.
My first adjuster flat out told me not to file an ICC, even though I told him I already had the substantial damage letter from the county.
How the policies are written and given to the policy owners, and how they are adjusted are not equal.
Hey Jack Pot, the “Fact” that we were shorted out what was due us IS ILLEGAL. Since you readily admit it–maybe they should come directly to your place and ARREST you first.