In Texas on the coast normally wind and hail and storm surge is covered on the Windstorm Association policy and excluded from the homeowners and other property policies. I don\’t know what is available in other states.
If, in fact, you had a \”hurricane\” policy would you post the name of your insurance company, the agent you bought the coverage from and the form numbers of the policy?
Perhaps you might take the time to post specific policy wording defining \”hurricane.\”
let me get this right. i need a home policy, hurricane policy, flood policy, and a earthquake endorsement. since i am living on the coast. middle america should subsidize my lifestyle in order to keep my costs down. by the way i need more sand for the beach because it keeps washing away. the government should pay that also.
You wanted to get the Insurance Company Name that is not paying Wind Damage…State Farm.Three houses on our block, and one located forty feet away from ours…were all insured thru Allstate. Allstates engineers determined wind storms took the homes..and those folks were all paid 100% homeowners for their wind damage. State Farm, who advertises and boasts broader coverage than any other insurance company in Mississippi, refuses to pay for our wind damage.
The agent\’s name is Mike Meyers.
The exact wording on the Hurricane Endorsement is: FE-5301.1
\”As used in this endorsement HURRICANE means a storm system that has been declared to be a hurricane by the National Hurricane Center of the National Weather Service. The duration of the hurricane includes the time period, in the state:
1.beginning at the time a hurricane watch or hurricane warning is issued for any part of the state by the NHC or the NWS.
2.Continuing for the time period during which the hurricane conditions exist anywhere in this state and:
3. ending 24 hours following the termination of the last hurricane watch or hurricane warning for any part of the this state by the NHC of teh NWS.
DEDUCTIBLE
The Hurricane Deductible percentage shown in the Declarations applies only for direct physical loss or damage to covered property caused by wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a hurricane as define above. The deductable for loss caused by each hurricane ocurrence is the amount determined by applying the deductible percentage shown in the declarations to the COverage A- Dwelling limit shown in the Declarations. In the event of a Hurricane Loss (WHICH WE HAD), this deductible will apply in place of any other deductible stated in the policy. In no event will this deductible be less than the Section 1 deductible amount shown in the Declarations.
All other policy provisions apply
The Texas Wind Ins Association is the \”hurricane policy\”. see http://www.twia.org
Scroll down to \”downloads\” and you can get a copy of the commerical policy, residential policy and just about everything you need to know.
The \”company\” on the policy is the wind association.
The dec page shows the writing agent and address.
doesen\’t surprise me with this carrier. our ni was at a stop sign and got hit in the rear. other driver cited. statefarm gave our ni a hard time claiming our ni was at fault. needless to say we had to go to subrogation to get state farm to pay. its just business nothing personal.
My request was for coverage provisions, coverage provisions that include \”hurricane coverage\”, you provided policy wording regarding your hurricane deductible, as differentiated from the normal deductible and when it applies.
Your homeowners policy provides all risk except as excluded coverage which includes \”wind coverage\” and, at specified times, a \”hurricane\” deductible.
Your homeowners policy excludes flood damage.
The NFIP (National Flood Insurance Program) provides flood coverage.
I called the Windstorm Association and asked about the storm surge. Storm surge is not covered on the windstorm policy, it\’s just wind and hail. On a residence you can add wind-driven rain, but not on a business.
You need the fed flood pol for the storm surge.
I always wrote both windstorm and flood policies on the coast, so it was covered one place or other and never became an issue.
You need the whole ensemble to be completely dressed. With a coat and tie you may look ok – to a point, but without the pants you can still get arrested. :>
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In Texas on the coast normally wind and hail and storm surge is covered on the Windstorm Association policy and excluded from the homeowners and other property policies. I don\’t know what is available in other states.
If, in fact, you had a \”hurricane\” policy would you post the name of your insurance company, the agent you bought the coverage from and the form numbers of the policy?
Perhaps you might take the time to post specific policy wording defining \”hurricane.\”
let me get this right. i need a home policy, hurricane policy, flood policy, and a earthquake endorsement. since i am living on the coast. middle america should subsidize my lifestyle in order to keep my costs down. by the way i need more sand for the beach because it keeps washing away. the government should pay that also.
You wanted to get the Insurance Company Name that is not paying Wind Damage…State Farm.Three houses on our block, and one located forty feet away from ours…were all insured thru Allstate. Allstates engineers determined wind storms took the homes..and those folks were all paid 100% homeowners for their wind damage. State Farm, who advertises and boasts broader coverage than any other insurance company in Mississippi, refuses to pay for our wind damage.
The agent\’s name is Mike Meyers.
The exact wording on the Hurricane Endorsement is: FE-5301.1
\”As used in this endorsement HURRICANE means a storm system that has been declared to be a hurricane by the National Hurricane Center of the National Weather Service. The duration of the hurricane includes the time period, in the state:
1.beginning at the time a hurricane watch or hurricane warning is issued for any part of the state by the NHC or the NWS.
2.Continuing for the time period during which the hurricane conditions exist anywhere in this state and:
3. ending 24 hours following the termination of the last hurricane watch or hurricane warning for any part of the this state by the NHC of teh NWS.
DEDUCTIBLE
The Hurricane Deductible percentage shown in the Declarations applies only for direct physical loss or damage to covered property caused by wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a hurricane as define above. The deductable for loss caused by each hurricane ocurrence is the amount determined by applying the deductible percentage shown in the declarations to the COverage A- Dwelling limit shown in the Declarations. In the event of a Hurricane Loss (WHICH WE HAD), this deductible will apply in place of any other deductible stated in the policy. In no event will this deductible be less than the Section 1 deductible amount shown in the Declarations.
All other policy provisions apply
The Texas Wind Ins Association is the \”hurricane policy\”. see http://www.twia.org
Scroll down to \”downloads\” and you can get a copy of the commerical policy, residential policy and just about everything you need to know.
The \”company\” on the policy is the wind association.
The dec page shows the writing agent and address.
doesen\’t surprise me with this carrier. our ni was at a stop sign and got hit in the rear. other driver cited. statefarm gave our ni a hard time claiming our ni was at fault. needless to say we had to go to subrogation to get state farm to pay. its just business nothing personal.
LIKE A GOOD NEIGHBOR, STATE FARM IS THERE.
SOUNDS LIKE HOOD WANTS TO REWRITE THE POLICY AFTER THE CAUSE. SOUNDS LIKE AN ATTORNEY RUNNING FOR GOVERNOR
My request was for coverage provisions, coverage provisions that include \”hurricane coverage\”, you provided policy wording regarding your hurricane deductible, as differentiated from the normal deductible and when it applies.
Your homeowners policy provides all risk except as excluded coverage which includes \”wind coverage\” and, at specified times, a \”hurricane\” deductible.
Your homeowners policy excludes flood damage.
The NFIP (National Flood Insurance Program) provides flood coverage.
I called the Windstorm Association and asked about the storm surge. Storm surge is not covered on the windstorm policy, it\’s just wind and hail. On a residence you can add wind-driven rain, but not on a business.
You need the fed flood pol for the storm surge.
I always wrote both windstorm and flood policies on the coast, so it was covered one place or other and never became an issue.
You need the whole ensemble to be completely dressed. With a coat and tie you may look ok – to a point, but without the pants you can still get arrested. :>