“So you believe that hurricane coverage does not cover flooding caused by hurricane winds. Last time we checked the storm surge of Katrina was caused by the hurricane winds which at times while the storm was in the Gulf were as high as 175MPH. The storm surge was a direct result of Hurricane Katrina. Please explain what you think a hurricane is and what a policy means when it includes hurricane as a basic covered peril.”
Storm surge is simply another form of flooding that is excluded by most homeowners policies and covered by flood policies. It does not matter that the “storm surge” was caused by hurricane winds…system-wide power outage is caused by hurricane winds too, but also excluded by HO policies. Check this out:
Most homeowners policies exclude ANY form of abnormal surface water accumulation, including storm surge. The fact that storm surge flooding is due largely to wind is immaterial given the typical anti-concurrent causation wording of most policies that has been upheld in the vast majority of courts.
Opinions on a question if you please. Katrina and Rita were two independent storms; two independent mandatory evacuation orders were made by local authorities. Evacuees who left for Katrina and were still away during the civil order for Rita are being denied ALE for Rita ? How does that make sense – whether you evacuated from your home once and stayed away for both storms or evacuated twice and came back in between, you still incur the same additional living expenses.
In my opinion, evacuees are not entitled to ALE costs until the storm actually hits “neighboring” premises under the ISO wording. Under the ISO contract, they are no more entitled to pre-hurricance ALEs than they are preventative expenses like boarding up windows.
when rita was over we had been left with
a large chest freezer full of food thawing
no electricity we got about 1/3 of items
saved loss about 250.00 borrowed a generator from nieghbor about day three
cost of 80 a day plus for fuel and add to that propane fuel cooking 5days 40.00
generator does not run A/c ran a floor
fan 105 degree outside 99 inside bugs
love it. Bug bomb 8days later 50.00who
helps you when your broke and can pay the bills you did not evacuate nothing in my
policy says any thing about monitery disaster, Advice???
The HO policy typically does not cover losses such as food spoilage due to systeme wide power outage. You can usually buy an endorsement to cover you for food spoilage due to loss of power or freezer/refrigerator breakdown.
Nothing special about Allstate here, could as easily have been any insco that wrote a broad-form property policy in TX. IMHO these “temporary” orders, issued by a pair of Democrat judges, are driven by politics & hurricane hysteria, NOT the policy contract. People whose insured property wasn’t damaged by a covered risk but make claims for additional living expenses run the risk of having to pay the $$$ back at the end of the day. One thing EVERY policyholder in TX can count on with bonehead rulings like these: higher premiums in a hardening market.
Hey I just spent a boat load of money on hurricane shutters to protect my house, who is going to pay me back the $14,000.
I live in Florida and had to do this in a hurry, If evacuees in Texas get a court order to pay them, why shouldn’t I.
For those that have not figured it out yet this is also sarcasm and I do not expect to be paid for protecting my property or for doing that which saved my own life.
I just spoke today with Jackie Johnson-Staples with Allstate in Dallas, where my ALE claim was sent by my adjuster, Kevin Witt. She calmly explained to me that since the judgment against Allstate, Allstate is now not denying my ALE claim nor is it recognizing my claim. Allstate at this time is holding my information until they make a decision in late November to appeal the judgment against them. Texas Department of Insurance just got a big slap in their face along with the judge in this case. I guess Allstate is so big and powerful they can ignore court orders. I can promise you one thing, when all this is done I am dropping Allstate as my homeowners and automotive insurance carrier. I am NOT IN GOOD HANDS, have just seen the middle finger of Allstate.
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“So you believe that hurricane coverage does not cover flooding caused by hurricane winds. Last time we checked the storm surge of Katrina was caused by the hurricane winds which at times while the storm was in the Gulf were as high as 175MPH. The storm surge was a direct result of Hurricane Katrina. Please explain what you think a hurricane is and what a policy means when it includes hurricane as a basic covered peril.”
Storm surge is simply another form of flooding that is excluded by most homeowners policies and covered by flood policies. It does not matter that the “storm surge” was caused by hurricane winds…system-wide power outage is caused by hurricane winds too, but also excluded by HO policies. Check this out:
http://www.iiaba.net/vu/nonmember/lawsuitimplications.htm
Most homeowners policies exclude ANY form of abnormal surface water accumulation, including storm surge. The fact that storm surge flooding is due largely to wind is immaterial given the typical anti-concurrent causation wording of most policies that has been upheld in the vast majority of courts.
Opinions on a question if you please. Katrina and Rita were two independent storms; two independent mandatory evacuation orders were made by local authorities. Evacuees who left for Katrina and were still away during the civil order for Rita are being denied ALE for Rita ? How does that make sense – whether you evacuated from your home once and stayed away for both storms or evacuated twice and came back in between, you still incur the same additional living expenses.
In my opinion, evacuees are not entitled to ALE costs until the storm actually hits “neighboring” premises under the ISO wording. Under the ISO contract, they are no more entitled to pre-hurricance ALEs than they are preventative expenses like boarding up windows.
when rita was over we had been left with
a large chest freezer full of food thawing
no electricity we got about 1/3 of items
saved loss about 250.00 borrowed a generator from nieghbor about day three
cost of 80 a day plus for fuel and add to that propane fuel cooking 5days 40.00
generator does not run A/c ran a floor
fan 105 degree outside 99 inside bugs
love it. Bug bomb 8days later 50.00who
helps you when your broke and can pay the bills you did not evacuate nothing in my
policy says any thing about monitery disaster, Advice???
The HO policy typically does not cover losses such as food spoilage due to systeme wide power outage. You can usually buy an endorsement to cover you for food spoilage due to loss of power or freezer/refrigerator breakdown.
Nothing special about Allstate here, could as easily have been any insco that wrote a broad-form property policy in TX. IMHO these “temporary” orders, issued by a pair of Democrat judges, are driven by politics & hurricane hysteria, NOT the policy contract. People whose insured property wasn’t damaged by a covered risk but make claims for additional living expenses run the risk of having to pay the $$$ back at the end of the day. One thing EVERY policyholder in TX can count on with bonehead rulings like these: higher premiums in a hardening market.
Mother Nature and the judges have a deal going with the insurance companies to keep the rates up. < smile >
Hey I just spent a boat load of money on hurricane shutters to protect my house, who is going to pay me back the $14,000.
I live in Florida and had to do this in a hurry, If evacuees in Texas get a court order to pay them, why shouldn’t I.
For those that have not figured it out yet this is also sarcasm and I do not expect to be paid for protecting my property or for doing that which saved my own life.
I just spoke today with Jackie Johnson-Staples with Allstate in Dallas, where my ALE claim was sent by my adjuster, Kevin Witt. She calmly explained to me that since the judgment against Allstate, Allstate is now not denying my ALE claim nor is it recognizing my claim. Allstate at this time is holding my information until they make a decision in late November to appeal the judgment against them. Texas Department of Insurance just got a big slap in their face along with the judge in this case. I guess Allstate is so big and powerful they can ignore court orders. I can promise you one thing, when all this is done I am dropping Allstate as my homeowners and automotive insurance carrier. I am NOT IN GOOD HANDS, have just seen the middle finger of Allstate.