STORM SURGE & FLOODING ARE DIRECT RESULTS OF HURRICANES. SO ARE MANDATORY EVACUATIONS & RELATED ADDITIONAL LIVING EXPENSES. Some may find the following information to be helpful.
“• Even more dangerous than the high winds of a hurricane is the storm surge– a dome of ocean water that can be 20 feet at its peak and 50 to 100 miles wide. The surge can devastate coastal communities as it sweeps ashore. Nine out of 10 hurricane fatalities are attributable to the storm surge.
• The Primary Hazards of a Hurricane are Storm Surge, High Winds, Debris, Tornadoes and Rain/Flooding.”
Hats off to TDI and the AG’s office on this one. They calls em’ like theys sees em’! Shame on Allstate for wasting premiums to fund their legal department to take this to a hearing. Do you think if they pay more in legal than they would have paid in claims that they will learn anything from this?
I am looking for insurance, what suggestion do you have to get the best policy with the most coverage and options available, but I want the cheapest price and don’t want to pay more than anyone else. Classic isn’t it.
If Allstate does not offer something that State farm or Farmers does, how do I find out what the difference is? Each agent is going to tell me what I want to hear about their policy. Do agents even know what their competition is selling? or can they match what the other is selling?
How do I research this so I am not a statistic. Should I trust my good neighbor or the good hands or my uncle Frank that used to sell chickens, but has bought insurance before?
This is a good reason to have a standardized policy that all carriers must sell and stop nibbling away at coverages that are important. George Bush should fix this.
First, insurance is not a federal issue. Even if it was George Bush couldn’t fix it.
There are things way more important than insurance. Food and medical care, for example.
Paying attention is how you know if food is any good. The same is true with medical care.
No level of licensing or government oversight guarantees quality.
If your former chicken seller has been selling insurance for a couple weeks, I think I’d get some more definitive information than his opinion of coverage.
Not sure what kind of agent you are but surely not a homeowners policy agent. You would much prefer that an HO policy pays for flood. I take it you don’t sell flood, has never sold flood, and will never sell flood? You probably think the NFIP is an entirely unnecessary program.
I bet you thought the HOB would never cover mold too. Afterall it was excluded. You have to wonder if the lawyers are getting ready to give Allstate a tuneup over this like they did on mold.
according to Webster a hurricane is a tropical cyclone with winds of 73 or more MPH, and a flood is the overflowng of water on a normally dry area.
According to any homeowners policy I look at it lists wind as a covered peril and flood or rising water as excluded, “EVEN IF DRIVEN BY WIND” We would all love to be able to give these affected insureds coverage for flood, but no one has been able to tell us why or how that can be done based on the policy contract. You can not force a company to cover an excluded peril. Hurricanes are wind they are not water, yes they CAN cause tidal surging, but not all hurricanes do, but one thing that ALL hurricanes do have is wind. The main reason that companies do not and clearly will not ever cover flood is that it is so destructive, this is why there has been a federal flood program for decades, in order to get the coverage that is not in the homeowners policy, and not cause the carrier to go belly up with flood losses, as would clearly happen in this case if they were responsible for the flood claims.
I think the real thing we need to look at here is that FEMA set flood zones and they were obviously way off the mark, it is laughable to have a “C” flood zone 2 blocks of the Gulf of Mexico. I would bet my lunch, that FEMA and SBA will ultimetly have no choice but to pay for uninsured flood losses or offer low interest loans in order to keep the banks from failing due to all the abandoned and destroyed properties that had no coverage. Since the banks are federally backed, Tax dollars are going to be used one way or another.
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STORM SURGE & FLOODING ARE DIRECT RESULTS OF HURRICANES. SO ARE MANDATORY EVACUATIONS & RELATED ADDITIONAL LIVING EXPENSES. Some may find the following information to be helpful.
“• Even more dangerous than the high winds of a hurricane is the storm surge– a dome of ocean water that can be 20 feet at its peak and 50 to 100 miles wide. The surge can devastate coastal communities as it sweeps ashore. Nine out of 10 hurricane fatalities are attributable to the storm surge.
• The Primary Hazards of a Hurricane are Storm Surge, High Winds, Debris, Tornadoes and Rain/Flooding.”
Hats off to TDI and the AG’s office on this one. They calls em’ like theys sees em’! Shame on Allstate for wasting premiums to fund their legal department to take this to a hearing. Do you think if they pay more in legal than they would have paid in claims that they will learn anything from this?
A storm surge is the same as a tidal wave. It is different from rising water or rain. It will kill you.
they did not blame President Bush
The issue isn’t feelings, it’s what the contract says.
I am looking for insurance, what suggestion do you have to get the best policy with the most coverage and options available, but I want the cheapest price and don’t want to pay more than anyone else. Classic isn’t it.
If Allstate does not offer something that State farm or Farmers does, how do I find out what the difference is? Each agent is going to tell me what I want to hear about their policy. Do agents even know what their competition is selling? or can they match what the other is selling?
How do I research this so I am not a statistic. Should I trust my good neighbor or the good hands or my uncle Frank that used to sell chickens, but has bought insurance before?
This is a good reason to have a standardized policy that all carriers must sell and stop nibbling away at coverages that are important. George Bush should fix this.
First, insurance is not a federal issue. Even if it was George Bush couldn’t fix it.
There are things way more important than insurance. Food and medical care, for example.
Paying attention is how you know if food is any good. The same is true with medical care.
No level of licensing or government oversight guarantees quality.
If your former chicken seller has been selling insurance for a couple weeks, I think I’d get some more definitive information than his opinion of coverage.
Not sure what kind of agent you are but surely not a homeowners policy agent. You would much prefer that an HO policy pays for flood. I take it you don’t sell flood, has never sold flood, and will never sell flood? You probably think the NFIP is an entirely unnecessary program.
I bet you thought the HOB would never cover mold too. Afterall it was excluded. You have to wonder if the lawyers are getting ready to give Allstate a tuneup over this like they did on mold.
according to Webster a hurricane is a tropical cyclone with winds of 73 or more MPH, and a flood is the overflowng of water on a normally dry area.
According to any homeowners policy I look at it lists wind as a covered peril and flood or rising water as excluded, “EVEN IF DRIVEN BY WIND” We would all love to be able to give these affected insureds coverage for flood, but no one has been able to tell us why or how that can be done based on the policy contract. You can not force a company to cover an excluded peril. Hurricanes are wind they are not water, yes they CAN cause tidal surging, but not all hurricanes do, but one thing that ALL hurricanes do have is wind. The main reason that companies do not and clearly will not ever cover flood is that it is so destructive, this is why there has been a federal flood program for decades, in order to get the coverage that is not in the homeowners policy, and not cause the carrier to go belly up with flood losses, as would clearly happen in this case if they were responsible for the flood claims.
I think the real thing we need to look at here is that FEMA set flood zones and they were obviously way off the mark, it is laughable to have a “C” flood zone 2 blocks of the Gulf of Mexico. I would bet my lunch, that FEMA and SBA will ultimetly have no choice but to pay for uninsured flood losses or offer low interest loans in order to keep the banks from failing due to all the abandoned and destroyed properties that had no coverage. Since the banks are federally backed, Tax dollars are going to be used one way or another.