Federal Court Upholds Nationwide in Katrina Storm Surge Case

September 4, 2007

  • September 5, 2007 at 8:52 am
    Anon says:
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    How do I really feel about my customers, Ms David? That depends on the customers you refer to.

    Are we talking about the customers willing to clear an hour or so out of their day to be educated on what they are purchasing, what perils are covered, what risks are not covered, what gambles they’re taking (or willing to take)? Are we talking about the people who come to me understanding the importance of insurance and the protection it affords? Are we talking about the people who view it as protection of the things that matter in their lives?

    Or are we talking about the people who want me to sell them “Full Coverage” at a rate less than company X (and preferably less than their friend who mysteriously has EXACTLY the same demographic profile as they do)? Are we talking about the customer who rudly shouts at me “Look, I’m not an idiot, I understand Hurricane Deductible Waiver, just write the policy” while he’s talking on his cell phone in my office? Maybe its the customer who buys state minimum liability for his auto despite being able to double that amount for $10 more but won’t give me the opportunity to explain that since I’m just trying to increase my commission.

    Or we could be talking about the guy who uses his policy contract to line his kennel floor.

    Be a little more clear about which customer specifically I’m “screwing”. Also, let me know exactly what my customer’s obligation is… this is a contract and you’d better make sure you know what you’re signing.

  • September 5, 2007 at 10:24 am
    Mark says:
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    So let me get this straight: You’re equating God with Dickie Scruggs? Or are you actually saying that Dickie is MORE powerful than God? Wow. You’re crazier than I thought.

  • September 5, 2007 at 10:26 am
    Another Anon says:
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    Kim, please explain exactly where Scruggs won? The article points out that the 5th Circuit Court of Appeals overturned the ruling. What don’t you understand about this? Scruggs states in the article he is going to appeal. If this is a win, why would he appeal. Quit ranting & raving, learn about insurance and then come back for a rational discussion of issues.

  • September 5, 2007 at 10:39 am
    adjusterjoe says:
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    Just for your edification, the Mississippi judge (Senter) is an appointed federal judge from the small NORTHERN MISSISSIPPI community of Aberdeen. He has been on the bench for over 30 years, and if you check his record, he is respected on both sides of the aisle.

  • September 5, 2007 at 10:40 am
    Gill Fin says:
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    These cannot be real postings from a real
    human. They have to be contrived offerings from an Insurance Journal janitor or landscaper who snuck into the building to update their myspace page.
    No real american, who has been paying attention the last 40 years, would look to a trial lawyer for salvation. LOL.

  • September 5, 2007 at 10:47 am
    Nobody Important says:
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    Kim David writes this type of post frequently. She rambles on about evil insurance companies and how we will be sent to jail or whatever. It’s really best to ignore her rantings. Let’s concentrate on the people who post legitmate questions or comments rather than the raving lunatics like Kim. Skruggs is a political hack. In that state it makes him the peoples choice.

  • September 5, 2007 at 11:31 am
    Kim David says:
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    Thank you Adj Joe, I am glad to see that some people will state facts.
    The problem is these people don’t want the truth to be told.
    Every time I mention facts about deceptive tactics used by the Industry,
    they try to discredit me.
    I am crazy, insane, looney, etc.
    What else could they do to deny the truth?
    They can say what they want about me.
    I would rather be called names than be deceived with a false policy.
    I speak the truth.
    Prove me to be wrong and I will shut up.

    Do you think that I would leave my real name and state my opinion if I were lying.
    I would be sued for slander.
    I have NOTHING to hide. I never sold anything that was untrue and I would never deceive my neighbor, or cheat a friend and the last thing I would do is deceive my clients or insult them.

    Your clients feed your face and they provide for your family.

    State Farm should be sued for false advertisement alone….
    Pardon me, but They are Rotten Neighbors!

    What bad words did I use that offended you? Balls? Must be because you don’t have any! My ovaries must be larger.

    If you can’t admit the truth, be quiet and don’t rock the boat.

    The LA courts are booked until 2008 with Homeowners suing Insurance Companies because of Katrina denied claims.
    These are Homeowners…All Successful!
    To: Mary
    The Homeowners all have teeth.
    If they don’t have real teeth they have enough money to buy them and they don’t have to cheat a neighbor for commission.

    Keep kicking us and making fun of us.
    That only makes me more determined to bring you to your knees.

    To: Nobody Important
    You can’t send an email properly.
    Then you blame your computer for being too slow. Obviously you don’t have enough money to buy a decent computer or once again you are pointing the blame in another direction.
    I guess broadband is way out of your league!

  • September 5, 2007 at 5:40 am
    Kim David says:
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    YOUR OBLIGATION TO YOUR CLIENT IS TO
    EXPLAIN THE BENEFITS TO THEM.
    HOWEVER, IF YOU WOULD CLEARLY EXPLAIN THE BENEFITS…YOU WOULD NOT HAVE CLIENTS BECAUSE THEY WOULD NOT PAY FOR A POLICY WITHOUT COVERAGE.

    THE COMPANY MAKES YOU ABIDE BY THEIR RULES IF YOU WANT THE POLICY ISSUED AND YOUR LOYALTY IS TO THE COMPANY AND NOT YOUR CLIENTS.

    SINCE INSURANCE IS NOT THE BUSISNESS OF THE HOMEOWNER, THEY TRUSTED THE AGENTS CONTRACTED BY THE TOP 5 INSURANCE COMPANIES IN THE USA.

    HOMEOWNERS ARE NOT UNEDUCATED PEOPLE.
    THEY ARE SUCCESSFUL ENOUGH IN THEIR OWN BUSISNESS TO BE ABLE TO BUY A HOME.
    BIG MISTAKE THEY MADE!
    TRUSTING YOU AND
    THE COMPANY YOU REPRESENT.

    AFTER THE INSURANCE COMPANIES DENIED KATRINA CLAIMS, THEY USED THEIR POWER & MONEY TO DEFEND THEIR FINANCES IN COURT.
    WANTING TO WIN BY ALL COSTS.

    THANKS TO A FEW GOOD MEN IN MISSISSIPPI FOR EXPOSING THE TRUTH.

    LOUISIANA POLITICIANS DO NOT CARE ABOUT POLICYHOLDERS BECAUSE THEY ARE ONLY CONCERNED ABOUT STUFFING THEIR OWN POCKETS.

    COULD THIS BE THE REASON WHY THE LAST THREE LA INSURANCE COMMISSIONERS WENT TO PRISON?
    WHO BRIBED THEM ?
    IS THE THE M.O. OF THE INS INDUSTRY?

    THE MEDIA SOLD OUT THE POLICYHOLDERS TOO.
    THEY REFUSES TO REPORT FACTS ON THIS PROBLEM AND WE NOW UNDERSTAND WHY
    THEY SHY AWAY FROM TELLING THE TRUTH.
    THE INSURANCE INDUSTRY SPENDS BILLIONS IN ADVERTISING.
    AT LEAST THE MEDIA IS LOYAL TO THEIR CLIENTS…UNLIKE THE INS INDUSTRY.

    INSPITE OF ALL OF THE BETRAYAL TO YOUR CLIENTS….YOU THEN CALL US STUPID RED NECKS THAT ARE TOO STUPID TO READ THE POLICY AND THEN WE COULD NOT UNDERSTAND IT IF WE DID READ IT.
    MR BIG STUFF….
    IF YOU BOUGHT A POLICY AFTER YOU READ & UNDERSTOOD IT, THAT MAKES YOU MORE STUPID THAN THE POLICYHOLDERS WHO DID NOT READ OR UNDERSTAND IT.
    YOU TOO…BOUGHT A POLICY THAT WAS NOT WORTH THE PAPER IT WAS PRINTED ON.

    PEOPLE WHO LIVE IN COASTAL AREAS PAY HIGHER PREMIUMS BECAUSE OF RISING WATER…
    YET THEY WILL NEVER COLLECT ONE CENT.

    IT IS IMPOSSIBLE TO HAVE A HURRICANE
    WITHOUT WIND AND RISING WATER IN A COASTAL AREA
    & THIS IS THE REASON WHY
    THE HIDDEN EXCLUSIONS WERE ADDED TO THE POLICY.

    DID YOU EXPLAIN TO YOUR CLIENT THAT IF
    THEIR HOME WAS FLOODED DURING A HURRICANE,
    THE POLICY WOULD NOT PAY?

    DID YOU PHONE OR TRY TO CONTACT YOUR KATRINA CLIENTS AND EVEN OFFER LIVING EXPENSES TO THEM?
    NO…BECAUSE YOU WOULD LOOSE YOUR CONTRACT WITH THE COMPANY.
    WHY DIDN’T AGENTS TRY TO ASSIST THEIR CLIENTS DURING THE WORST DISASTER IN THE USA?
    DID THEY FOLLOW COMPANY POLICY?
    IGNORANCE OF THE INSURED IS
    A GREAT MONEY MAKER FOR THE INS INDUSTRY.
    THAT IS NO SECRET!

    I AM IN THE INSURANCE BUSISNESS AND I FEEL MISLEAD.
    I ASSUMED THAT IF I PAID FOR A $200,000 HOMEOWNERS
    POLICY AND ALSO PAID FOR A $250,000 FLOOD POLICY…..
    I THOUGHT I HAD A TOTAL OF $450,000 INSURANCE
    IF MY HOME WAS DESTROYED BY A HURRICANE…WIND OR WATER.
    LITTLE DID I KNOW, THIS WAS CONSIDERED DOUBLE DIPPING
    & YOU CAN’T COLLECT ON BOTH.
    YET WE PAY FOR TWO SEPERATE POLICIES WITH
    TWO PREMIUMS AND PAY 3 DEDUCTIBLES.
    LETS NOT FORGET THE TACTIC CALLED DEPRECIATION THAT
    IS ALSO DEDUCTED FROM THE BENEFITS!

    HOW MANY AGENTS EXPLAINED THIS TO THEIR CLIENTS?

    I OWN HOMES IN LA & MS, INSURED BY DIFFERENT COMPANIES.
    FLOOD PAID 100% WITHOUT QUESTION.

    I WAS FORCED TO SUE BOTH INS COMPANIES BECAUSE THEY EITHER DENIED THE KATRINA CLAIM OR TRIED TO PAY FIVE CENTS ON THE DOLLAR.
    LIVING EXPENSES ALONE WAS A BATTLE IN ITSELF AND LOSS OF RENT SEEMS IMPOSSIBLE.

    LET ME REMIND YOU THIS IS NOT ABOUT FLOOD DAMAGE.
    WE’RE SUING BECAUSE THEY FAILED TO PAY FOR WIND DAMAGE
    AND LIVING EXPENSES.
    AGAIN…THIS IS ABOUT DENYING WIND CLAIMS AND NOT FLOOD !

    DUE TO THE FACT THAT LA LA DOES NOT HAVE PUNITIVE DAMAGES
    THE INSURANCE INDUSTRY IS REALLY TAKING ADVANTAGE OF THE POLICYHOLDERS IN LA BECAUSE LA IS A STATE THAT DOES NOT HAVE PUNITIVE DAMAGES.
    THE INS. COMPANIES HAVE NOTHING TO LOOSE.
    THE WORST CASE CENERIO IS THEY MAY HAVE
    TO PAY THE POLICY LIMIT… IF THE CASE EVER GOT TO A JURY TRIAL.

    THEREFORE, THE LAWYERS IN LA ARE
    SELLING OUT THEIR CLIENTS BY TRYING TO GET
    THEM TO SETTLE FOR 10 CENTS ON THE DOLLLAR,
    WHEN THEY WERE OFFERED 5 CENTS ON THE DOLLAR.
    THEN THE LAWYERS IN LA ARE CHARGING OVER 40% + COSTS
    TO SETTLE, WITHOUT FILING A SUIT OR GOING TO TRIAL.
    1/3 TO SETTLE WITHOUT GOING TO TRIAL.
    NOW, THE LA LAWYERS ARE PLAYING FEET WITH THE INSURANCE COMPANIES,
    CAUSING KATRINA VICTIMS TO BECOME VICTIMS, ONCE AGAIN.

    I WONDER…IS THERE ANY HONOR LEFT IN MANKIND?

    MANY PEOPLE EMPLOYED WITH THE INSURANCE INDUSTRY DISLIKE MR. SCRUGGS
    AND THAT’S BECAUSE THEY DON’T LIKE THE TRUTH…BEING TOLD.
    MR. SCRUGGS REPRESENTED HIS PEOPLE AND HE MADE HISTORY TOO,
    HE WENT UP AGAINST ONE OF THE LARGEST INDUSTRIES IN THE USA & WON!
    POOR LOOSERS STILL PULLING STRINGS TO BEAT THE SYSTEM
    AND THEY ALL TRASH SCRUGGS FOR EXPOSING THE TRUTH.
    I APPLAUD SCRUGGS & HIS BOYS IN THE BAND….
    THEY’RE FIGHTING FOR WHAT IS RIGHT.
    AND THEY’VE JUST BEGUN TO FIGHT.

    FOR SURE, THOSE MS BOYS STOOD UP & STOOD TOGETHER….
    EVEN ELECTED OFFICIALS ROLLED UP THEIR SLEEVES
    AND WENT SWINGING TO FIGHT FOR THEPEOPLE.

    MS DOES TAKE CARE OF THEIR OWN….
    QUITE THE OPPOSITE OF THE INSURANCE INDUSTRY
    AND LOUISIANA OFFICIALS.

    PERHAPS WE SHOULD START A PETITION.
    DID YOUR AGENT FAIL TO EXPLAN THE BENEFITS TO YOU?

  • September 5, 2007 at 5:44 am
    Kim David says:
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    Who ever you are….
    Don’t put words in my mouth.
    I speak the truth but
    you can’t handle the truth!

    One thing for sure…you are
    Nobody Important.
    You are worthless as a human being.
    You can’t tell the truth in one sentence
    and you don’t have the balls to use your name so that makes you a worthless coward!

  • September 5, 2007 at 5:54 am
    Gill Fin says:
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    I hope they have metal detectors.



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