I don’t believe it is because most every policy in Texas is different. Looking at Farmers policy, the Loss of Use verbage is exactly the same as the standard Texas HOA which I do believe is pretty common.
No, it doesn’t matter what caused the water to rise. IT says that in the policy. says “Rising Water” is excluded. and is says “Wind” is covered. It doesn’t say “Wind and whatever the Wind makes happen” is covered.
And, yes, Farmers and Allstate both have special Texas endorsements attached to their HOA policies that change a lot of what it is.
No one replied to my note that Travelers and American National have nearly identical policies to Allstate.
And TDI should have approved the national form, but they didn’t because Allstate wouldn’t not offer full slab and mold coverage as a condition for having it approved. I don’t blame them.
I don’t “believe” hurricane doesn’t cover flooding caused by wind. I KNOW it does not. Even you used the word FLOODING. Doesn’t that tell you something? When is a flood not a flood? Not ever. Please re-read your policy, if you even read it once.
Foremost/Farmers Insurance did the right thing when they paid flood claims caused as a direct result of Hurricane Katrina in Louisiana, Mississippi, and Alabama as hurricane losses. They really made a very few other companies mad as hell. Good for Foremost! The flooding was the direct result of the covered peril which was hurricane. Now Farmers and State Farm are helping their policy holders out in Texas and Louisiana with A.L.E. payments for losses sustained as a direct result of the covered peril, hurricane. If a company does not want to pay hurricane losses then they should petition the T.D.I. to let them include the H.O. 140 wind exclusion in all 254 counties of Texas. Not paying legitimate claims never saves money in the long run. Let’s hope any companies who didn’t already understand this will learn from it.
Way to go Farmers! Way to go State Farm! Way to go Foremost for doing the right thing first!
Well….there USED TO BE a “standard form” in Texas until mold was invented. THen it seems like every company had a better plan (just to add more confusion to the market place.)
There seems to be some discontent because other carriers are paying for ALE and Allstate is not. Food for thought…
I like and would even prefer to have heated seats in my car during the warm weather months. That feature is available on many cars on the market today. I didn’t buy a car that has that feature…thus I don’t get the benefit of something I did not purchase.
Gee…that’s a stooopid comparison. If you wanted heated seats, you could BUY them..I don’t think that you can NOT buy the ALE, can you?? I’m still trying to figure how to get reimbursed for harboring an evacuee….any suggestions from this brain trust? It cost me more for electricity, to heat the water, to feed them….and THEY get reimbursed…not me!
In 1997 the Tx legislature passed a bill which allowed companies to use their national form. The Tx HO-B didn’t match any other state’s HO pol. Special claims units were needed for Texas. Whole nuther country and all that. The applications from the major companies were at the board almost instantly. They sat there until after the mold free-for-all, culminating with the governor’s race. The governor’s race used mold as an issue so the candidates didn’t have to talk about the real issues of the state: paying for schools, teacher pay, teacher insurance, tax issues, paying for the insolvent health insurance for poor kids program and about 300 other issues which had pending bills.
After the governors race the “national forms” were approved. One week after the election the biggest mold case (some $3 mil)went to the appeals court. The appeals court said the amount of claim was the actual damage to the house and the settlement was no place close to $3 mil.
There is a lot of mis-information being talked about here, and the biggest is that State farm and Farmers and Foremost paid out flood claims as wind. THIS IS FALSE.
I was just there and this is not true, some claims were wind with out rising water, most wind claims that were paid or are being paid are only for partial loss, such as shingles on the roof, but the 9 feet of water below the roof is NOT covered by the wind portion. I am NOT an Allstate agent, and rarely agree with some of the things they do, but in this case, they tried to get a product on the market that would have covered this ALE issue and they were shot down by the Texas Dept of Insurance. Therefore they kept the old policy form going and did not collect any additional premium to cover any additional exposure. They are not paying for these frivilous ALE claims because the policy form that was approved in Texas DOES NOT COVER IT, several other carriers did get the policy form change approved and are paying it. If Allstate were able to collect for it, I’m sure they would have paid it. Blame the TDI for this screw up, not Allstate. I still refer to them as the shakey hands people, but this one is clearly a contract provision in the policy. Blame FEMA for setting the flood zones at low risk 2 blocks from the Gulf also, but that is the facts after the storm. I still want to know how many of these ALE claims will even be close to the hurricane deductible?
Lets blame TDI. You talk like TDI had no reason for not approving that policy. I guess they just felt like being mean. It would be rediculous to even think that TDI might have had a legitimate reason for not approving that policy. JR, you say “several other carriers did get the policy form change approved and are paying it”. Farmers ALE section is no different than the Texas HOA and they are paying.
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I don’t believe it is because most every policy in Texas is different. Looking at Farmers policy, the Loss of Use verbage is exactly the same as the standard Texas HOA which I do believe is pretty common.
No, it doesn’t matter what caused the water to rise. IT says that in the policy. says “Rising Water” is excluded. and is says “Wind” is covered. It doesn’t say “Wind and whatever the Wind makes happen” is covered.
And, yes, Farmers and Allstate both have special Texas endorsements attached to their HOA policies that change a lot of what it is.
No one replied to my note that Travelers and American National have nearly identical policies to Allstate.
And TDI should have approved the national form, but they didn’t because Allstate wouldn’t not offer full slab and mold coverage as a condition for having it approved. I don’t blame them.
I don’t “believe” hurricane doesn’t cover flooding caused by wind. I KNOW it does not. Even you used the word FLOODING. Doesn’t that tell you something? When is a flood not a flood? Not ever. Please re-read your policy, if you even read it once.
Foremost/Farmers Insurance did the right thing when they paid flood claims caused as a direct result of Hurricane Katrina in Louisiana, Mississippi, and Alabama as hurricane losses. They really made a very few other companies mad as hell. Good for Foremost! The flooding was the direct result of the covered peril which was hurricane. Now Farmers and State Farm are helping their policy holders out in Texas and Louisiana with A.L.E. payments for losses sustained as a direct result of the covered peril, hurricane. If a company does not want to pay hurricane losses then they should petition the T.D.I. to let them include the H.O. 140 wind exclusion in all 254 counties of Texas. Not paying legitimate claims never saves money in the long run. Let’s hope any companies who didn’t already understand this will learn from it.
Way to go Farmers! Way to go State Farm! Way to go Foremost for doing the right thing first!
Well….there USED TO BE a “standard form” in Texas until mold was invented. THen it seems like every company had a better plan (just to add more confusion to the market place.)
There seems to be some discontent because other carriers are paying for ALE and Allstate is not. Food for thought…
I like and would even prefer to have heated seats in my car during the warm weather months. That feature is available on many cars on the market today. I didn’t buy a car that has that feature…thus I don’t get the benefit of something I did not purchase.
Gee…that’s a stooopid comparison. If you wanted heated seats, you could BUY them..I don’t think that you can NOT buy the ALE, can you?? I’m still trying to figure how to get reimbursed for harboring an evacuee….any suggestions from this brain trust? It cost me more for electricity, to heat the water, to feed them….and THEY get reimbursed…not me!
In 1997 the Tx legislature passed a bill which allowed companies to use their national form. The Tx HO-B didn’t match any other state’s HO pol. Special claims units were needed for Texas. Whole nuther country and all that. The applications from the major companies were at the board almost instantly. They sat there until after the mold free-for-all, culminating with the governor’s race. The governor’s race used mold as an issue so the candidates didn’t have to talk about the real issues of the state: paying for schools, teacher pay, teacher insurance, tax issues, paying for the insolvent health insurance for poor kids program and about 300 other issues which had pending bills.
After the governors race the “national forms” were approved. One week after the election the biggest mold case (some $3 mil)went to the appeals court. The appeals court said the amount of claim was the actual damage to the house and the settlement was no place close to $3 mil.
Ain’t politics wonnerful?
There is a lot of mis-information being talked about here, and the biggest is that State farm and Farmers and Foremost paid out flood claims as wind. THIS IS FALSE.
I was just there and this is not true, some claims were wind with out rising water, most wind claims that were paid or are being paid are only for partial loss, such as shingles on the roof, but the 9 feet of water below the roof is NOT covered by the wind portion. I am NOT an Allstate agent, and rarely agree with some of the things they do, but in this case, they tried to get a product on the market that would have covered this ALE issue and they were shot down by the Texas Dept of Insurance. Therefore they kept the old policy form going and did not collect any additional premium to cover any additional exposure. They are not paying for these frivilous ALE claims because the policy form that was approved in Texas DOES NOT COVER IT, several other carriers did get the policy form change approved and are paying it. If Allstate were able to collect for it, I’m sure they would have paid it. Blame the TDI for this screw up, not Allstate. I still refer to them as the shakey hands people, but this one is clearly a contract provision in the policy. Blame FEMA for setting the flood zones at low risk 2 blocks from the Gulf also, but that is the facts after the storm. I still want to know how many of these ALE claims will even be close to the hurricane deductible?
Lets blame TDI. You talk like TDI had no reason for not approving that policy. I guess they just felt like being mean. It would be rediculous to even think that TDI might have had a legitimate reason for not approving that policy. JR, you say “several other carriers did get the policy form change approved and are paying it”. Farmers ALE section is no different than the Texas HOA and they are paying.