Key Federal Katrina Ruling Favoring Homeowners Surprises Industry

January 12, 2007

  • January 15, 2007 at 3:42 am
    Common Sense has left you??? says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Water slams into your house and washes it off the foundation and the pieces of the house hit a tree.. The tree did not cause the damage When there is a water line 12 feet up on a house sitting 1/2 block away from it\’s address and the roof is missing some shingles, the house was NOT destroyed by the wind that lifted the shingles. These folks were able to buy flood insurance and did not. They rolled snake eyes and now want to take back their bet!!!

  • January 15, 2007 at 5:31 am
    Bear Fan says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Kay,
    Geography 101—-Biloxi is not in the Ninth Ward.

  • January 15, 2007 at 5:41 am
    Rick Frazier says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Does anyone really think State Farm took this to court without having case history on their side. This is not the first hurricane to blow through Mississippi.

  • January 15, 2007 at 5:51 am
    State Farm Policy Holder says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    Rick, it\’s the first time they got caught and the first time they were held accountable.

    World Book Encyclopedia:
    Hurricane Katrina, the worst hurricane in USA history.

    Open your dictionary to Hurricane, Flood, Storm, Surge, & Wind.

    HURRICANE: A tropical cyclone with winds of 74 miles per hour or greater,
    that is usually accompanied by rain, thunder, and lightning,
    and that sometimes moves into temperate latitudes

    FLOOD: described in the Bible as covering the earth in the time of Noah

    (Michael Brown was Noah in Katrina)

    WIND: a destructive force or influence

    STORM: a disturbance of the atmosphere marked by wind and usually by rain, snow, hail, sleet, or thunder and lightning
    : a heavy fall of rain, snow, or hail
    : wind having a speed of 64 to 72 miles
    (103 to 116 kilometers) per hour
    : WHOLE GALE a serious disturbance of
    any element of nature
    : a disturbed or agitated state
    : a sudden or violent commotion
    : a heavy discharge of objects (as
    missiles)
    : a tumultuous outburst

    SURGE:1 : a swelling, rolling, or sweeping forward like that of a wave or series of waves
    : a large wave or billow
    : a series of such swells or billows
    : the resulting elevation of water level

  • January 16, 2007 at 11:50 am
    Chad Balaamaba says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    It was right after Katrina, and we were short of allot of necessities. I was in Wal-Mart buying a large bag of Purina dog chow and was in line to check out. A woman behind me asked if I had a dog; I tried to be polite, but she continued to pry, and I was feeling a bit crabby so on impulse, I told her no, I was starting dog food diet again (brand name withheld, but one of the namebrands), although I probably shouldn\’t because I ended up in the hospital last time, but that I\’d lost 50 pounds before I awakened in an intensive care unit with tubes coming out of most of my body and IV\’s in both arms. Her eyes about bugged out of her head.

    I went on and on with the bogus diet story and she was totally buying it. I told her that it was an easy, inexpensive diet and that the way it works is to load your pockets or purse with nuggets and simply eat one or two every time you feel hungry. The package said the food is nutritionally complete so I was going to try it again.

    I have to mention here that practically everyone in the line was by now enthralled with my story, particularly a tall guy behind her.

    Horrified, she asked if something in the dog food had poisoned me and was that why I ended up in the hospital.

    I said no…..I\’d been sitting in the street licking my butt when a car hit me.

  • January 16, 2007 at 11:57 am
    Ray Balaamababa says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    I think carriers should pay for non water damage, but not water damage. If you were in storm surge area and your house went under, then look to your flood coverage. I would think there should be ample evidence what caused the damage in question, but to deny all of the loss simply because there is flood damage, well, that just doesn\’t hold water. But I do like the Wal-Mart diet.

    Most people don\’t understand their policy or what is insured, and it\’s doubtful this jury understood, either.

  • January 16, 2007 at 12:05 pm
    Ross Perot says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    This water thingamajig reminds me of how polarized we are, we gots the pro-water flood insurers against the pro-winddamage pay me cuz I had insurance folk; it reminds of of the wal-mart vs union, Iraq war vs surrenderers, vegietariens vs carnievors, and even right vs left…even
    reminds me of government; gridlock that is; you got the reds hatin\’ the blues, and the blues hatin\’ the reds; dat\’s why nuttin\’ gets done in Washington; it\’s like the big fish and the little fish; the big fish wants to eat, and the little fish wants to eat, but the big fish wants to eat the little fish, and the little fish doesn\’t want to be eat. See, that\’s like government. What we need is universal flood coverage; put a $500k cap on it, but a 15% deductible; that way you makes flood people take responsibility for some of their loss, but you can provide coverage to the really well off people like me who need extra coverage for their beach property. That, and we should tax gas 50 cents per gallon on top of the current taxes to balance the budget.

  • January 16, 2007 at 4:57 am
    Katrina Victim says:
  • January 16, 2007 at 5:09 am
    State Farm A Bad Neighbor says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0
  • January 19, 2007 at 8:34 am
    Kim David says:
    Like or Dislike:
    Thumb up 0
    Thumb down 0

    We Are Americans!

    Land of the Free
    The Home of the Brave!

    IF WE DO NOT STAND UP

    & STAND UNITED,

    AS ONE NATION,

    All of Us, will be riding in the back of the bus !
    Red, Yellow, Black & White, Democrate & Republican
    Every Homeowner & Future Homeowner in USA,

    WE WILL NOT ALLOW BETRAYAL.

    WE WILL NOT BE TREATED AS SLAVES.

    WE WILL NOT BE HELD HOSTAGE!

    Most Certainly not by one of Our Own…

    Betraying Americans on our own Land,
    it is time for America to take a stand!

    Pay for Insurance
    that will not provide
    financial protection
    for what you will need?

    OUR FOUNDATION WILL CRUMBLE.
    They have taken our money & our power too!

    TO The Men & Women who read
    their policy and Understood it too:

    I commend you if you purchased
    the policy after your review,
    because that makes you more stupid
    than the homeowners that did not read
    or understand the exclusions.
    So, Please stop pointing you finger at
    your fellow man.
    Hear our cry and Listen to the Facts.

    We do not want anything for free!
    We are, the Working Americans..

    THE HOMEOWNERS OF THE USA

    We Paid, We Trusted,
    We were denied in our time of need
    and we\’re still paying insurance for
    a home that is destroyed or vanished.!

    The only ones that owed us…
    were the Insurance Companies
    that we paid to financially protect our homes.
    They turned their back & denied us by name.

    It was Our Own, Fellow Americans,
    That came rushing to our aide.
    Can\’t get more Patriotic than that!
    I still say Thank You,
    To The Red, White & BLue.

    Then those good neighbors…
    left us with our children, outside in the rain.

    TO ALL SELF EMPLOYED:
    How many clients would you have
    if you turned your back on them
    when you saw them in need?

    That is not the way to treat your neighbor
    and certainly not the way
    a good neighbor should be.

    They should have a special suit for
    false advertisement.
    Good Neighbors they are not.,
    I call them Pirates.
    What they have done was Mutiny
    It\’s Piracy.

    It hurt more to see the children cry.
    Their toys & clothes were all destroyed.
    That Christmas, we had No Santa Clause.
    Toys they did not receive but
    A Gift They Did Receive…..
    that will forever be remembered,
    called Life\’s Lessons.

    They too were Victims of Katrina.
    When they saw the destruction,
    they felt it too,
    They heard Mommy & Daddy had
    one of the top 5 insurance companies
    in America.
    They were insured, so they will be able
    to buy new toys of their choice.
    .When the children found about the
    denied claims, innocence was lost.
    adding insult to injury.
    They too asked why.
    They blamed all the damage on water.
    Children know that was a lie because
    never will there be a hurricane
    without wind and rain.
    These Children are Our Children,
    They are Your Future.
    We will pass the torch to them.

    They will never forget that
    Katrina Took their toys but
    State Farm killed Santa Clause.

    Make No Mistake About this….
    We will Have Another Katrina.

    The Homeowners policy DOES NOT Provide
    Financial Protection for your Home.

    Will not cover Collapse, Mold, Spray,
    Rain, Overflow, Structure Damage,
    Wind Driven Rain, Snow, Hail, Sleet,
    Cyclone, Title wave,
    and now…NO WIND.

    The war is not over with Katrina
    & they are back to the drawing board
    with how to add more exclusions.

    FLASH BULLITIN: ;Jan 2007:

    A State Farm Insurance Co.
    executive says the company
    IS NO LONGER OFFERING W I N D coverage
    for new customers in Mississippi\’s six southern
    most counties and is reviewing whether to
    continue extending the coverage on renewals.
    Because the base hurricane deductible is
    restricted to 2 percent in Mississippi,
    increasing the deductible was
    not an option as it has been in
    other states, said Robert L. Trippel.

    How can we pay for Hurricane Insurance
    when it will not pay for Wind, Water or Collapse?

    Get Off Your Butt & On Your Feet !
    Ever saw a Hurricane without Wind or Rain?

    I have the two options & would love more…

    1. FEMA can sell HURRICANE INSURANCE
    includes any and all damage resulting
    from a natural disaster.

    Homeowners will have 100% protection
    without one calculating exclusion.

    Guaranteed to be paid by our own USA.

    If America can afford,

    to spend $2 Billion/Week in Iraq…

    then We best be able to afford

    financial protection for our home.

    This is What we Should be Fighting For!

    Liberty & Justice

    Land of the Free!

    The American People…1st

    Step Up & Stand Up for One Another!

    ASK YOURSELF: WHAT COULD
    POSSIBLY DAMAGE YOUR HOME?
    Then check your policy.

    I REFUSE TO BE HELD HOSTAGE BY ANYONE!

    When I was a child, My brother started
    blackmailing me. I finally got so angry,
    I told on myself.
    He got the same punishment & I was free.

    What will we be loosing if the Ins Co leaves?
    What do you fear? Change?

    2. BECOME SELF-INSURED
    BY CITY/STATE
    We will save money & have better coverage too!
    The city will have so much money they
    will not be able to count it.
    We send the Insurance Premium in with the
    Property Tax bill.
    Assessors Tax Office already has Property
    Descriptions
    THE CITY OF WAVELAND/BAY ST. LOUIS
    has vanished.
    All to be re-built to the strongest code
    We Will Take Care of Our Own.
    Anyone can be replaced.
    If we get a hit before enough money is in
    escrow…then we can let FEMA step in
    to help us instead of the Insurance Co.

    FEMA does not want to profit from us.
    They do not want to trick us or cheat us.
    FEMA paid 100%, without 1 denied claim
    nor did they try to put the blame on wind.

    We need change & before another Katrina!!!

    My Fellow Americans…
    I don\’t have much longer to live on this great land.
    As God is my witness,
    I am speaking the Truth.
    in hopes that our children, can & willlearn from
    Our Mistakes..
    May they become stronger & wiser.

    Our own Family, is in trouble.
    We need to do something while
    we are still alive, to be at their side.

    Perhaps it\’s Going, back to the original plan.
    The way I was taught to live…
    with the original 10…..
    10 Commandments that is.
    All Instructions for us, left from God.

    How to treat Your Neighbor.

    Ironic those Good Neighbors already
    had their name etched in stone…..

    It\’s not about religion, or politics.

    It\’s about our Spirit.

    The Spirit of the American People.

    Bring back Honor & Pride,
    then send the rest to Iraq.

    Charity…begins at home…



Add a Comment

Your email address will not be published. Required fields are marked *

*