I, like most people, don\’t fault State Farm for handling their business the way that they have. A contract was in place and all parties knew the parameters. Your judicial system for lack of a better term sucks. It can\’t be trusted.
What\’s funny about this situation, if there is anything, most other companies wish they would have taken the same position. I happen to thank State Farm as a policyholder trying to protect my companies assets and my future premium. A lot of other insurance companies will be happy to make their payment and then apply for a drastic rate hike during the next session either way, the insured is getting screwed because most companies won\’t be taking on new business.
Now, heres a question for you. Do you know the location of each and every slab case denied by State Farm? Very likely, you answer is no. Being the educated person you are, and myself having lived thru a hurricane, those houses on the immediate coast would receive the storm surge long before \”damaging\” winds occur. This would also be more so the case in your area of the gulf coast. So, this would first categorize as a flood then the winds come. Can\’t fault a company for denying the flood and using the concurrent causation language under their policy.
Also, please enlighten me as to who is your insurance carrier? As you know, all insurance carriers would look awfully bad under a microscope.
Jewel, I\’m going to take your position and not acknowledge this a$$ in anymore posting. I have a feeling he was fired (either independent or employee) by State Farm.
This is a site for up to date insurance articles and insurance professionals. Unfortunately, it has beeen taken over by non insurance people or the clerical staff who have absolutely no knowledge of insurance. There are a couple of knowledgeable people but for the most part they are compleetly ingnorant of insurance. According to one poster, Ed Rust put out a memo to defend State Farm to the death. Some, by their own admission, fit this category.
You are amazingly predictible. You did just as I said you would. Your defense is to answer a question with a question, say it is all political, and say our judicial system is corrupt. When the truth is not on your side there is little you can say. Sorry, you have no facts on your side. When you admit the truth, it will feel better. Please address the statemnts I made with facts, not just it is the political system\’s fault. BTW, is the system always corrupt, even if State Farm wins, or only when State Farm loses and it doesn\’t fit your needs?
You continue to call Senator Lott, my Senator, and say I reside in Mississippi. I am not a resident of Mississippi. I have lived there in the past and worked claims there in the past as a non-resident. I would try to address the inaccuracies in your post but they are many and basically display your love for State Farm, not factual. If you ever provide factual information, I will be happy to refute it. Until then, there is no rebuttal to your incorrect opinion other that to state the truth, which I have done.
If the normal practice in other engineering firms is to write a report without viewing the property, then this shouldn\’t have been a problem. I personally think that the engineer SHOULD view the property but I am not an engineer.
If it is normal practice, it is nice to know that the jury made up their own \”rules\”. This is why I wouldn\’t want to sit on a jury with others who will just disregard the judge\’s instructions and all logic as well.
Engineers should physically inspect every loss they sign as the prime engineer. However, with this said, they had committee meetings on every claim I had in Katrina. The inspecting engineer signed off, but a superior also signed off as a superior and sometimnes there was mention of the committee meeting in the report.
Both the insured and engineer have some answering to do. The insured attempted to claim something which was not on the policy and the engineer, whether there was or not, gave the appearance of impropriety. The jury, as is usually the case sided with teh deep pockets.
I do have to agree that the insured should have to repay NFIP for all damages to the main floor level and above as it has now been adjudicated that flood was not the cause. There are many times covered in the space under the elevated risk which could approach six figures. I have worked many flood losses where there were substantial damages covered below the main floor.
I would like to know how good the Allstate\’s attorney\’s felt after the engineer\’s respective depositions. From what the article tells us and my experience in this field, I would several issues:
1) The person writing the report and gathering the information are not the same person. (mild concern)
2) The person writing the report never stepped foot on the property until after his report was completed. (very concerned)
3) There appeared to be a conflict amongst the same firm regarding what caused the damage. (settle claim before trial)
I know SF is being run thru the mill over their engineering firms reports. These firms have to realize their reports have to be definitive. The insurance companies can\’t have any grey areas in them. That was likely the reason why SF had some of their reports re-done. If the report can be interpreted differently that will kill you in court. It has to be black and white….live by the sword die by the sword.
This is a site for up to date insurance articles and insurance professionals. Unfortunately, i have taken over the IJ as i am a non insurance person and love to belittle, harasse (sexually and otherwise) everybody on this site because i am the king of all things related to insurance and everyone else (especially \’dem women) who have absolutely no knowledge of insurance. There are a couple of knowledgeable people here but for the most part I am the only smart person on this site and I have eyes and ears in every courthouse, attorney office and pltfs homes so I have up to the minute details as to the status of these adjudicated losses. ccording to one poster, Ed Rust put out a memo to defend State Farm to the death, I did not get this memo as I was fired by SF prior to Katrina and that\’s why I hate them so much.
Too funny! I am glad you got that off your chest. :) I am sure you feel much better.
Now, can someone tell me what this means?
\”The jury, as is usually the case sided with teh deep pockets.\” -previous post by (fake)adjusterjoe
If the plaintiff won, how did the jury side with the deep pockets aka Allstate?
If that was supposed to mean the jury sided AGAINST the deep pockets then I guess you know who wasn\’t very impartial after all. (As if anyone thought he was…)
Sorry about SF firing you Joe. I hope you filed for unemployment.
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I, like most people, don\’t fault State Farm for handling their business the way that they have. A contract was in place and all parties knew the parameters. Your judicial system for lack of a better term sucks. It can\’t be trusted.
What\’s funny about this situation, if there is anything, most other companies wish they would have taken the same position. I happen to thank State Farm as a policyholder trying to protect my companies assets and my future premium. A lot of other insurance companies will be happy to make their payment and then apply for a drastic rate hike during the next session either way, the insured is getting screwed because most companies won\’t be taking on new business.
Now, heres a question for you. Do you know the location of each and every slab case denied by State Farm? Very likely, you answer is no. Being the educated person you are, and myself having lived thru a hurricane, those houses on the immediate coast would receive the storm surge long before \”damaging\” winds occur. This would also be more so the case in your area of the gulf coast. So, this would first categorize as a flood then the winds come. Can\’t fault a company for denying the flood and using the concurrent causation language under their policy.
Also, please enlighten me as to who is your insurance carrier? As you know, all insurance carriers would look awfully bad under a microscope.
Jewel, I\’m going to take your position and not acknowledge this a$$ in anymore posting. I have a feeling he was fired (either independent or employee) by State Farm.
This is a site for up to date insurance articles and insurance professionals. Unfortunately, it has beeen taken over by non insurance people or the clerical staff who have absolutely no knowledge of insurance. There are a couple of knowledgeable people but for the most part they are compleetly ingnorant of insurance. According to one poster, Ed Rust put out a memo to defend State Farm to the death. Some, by their own admission, fit this category.
You are amazingly predictible. You did just as I said you would. Your defense is to answer a question with a question, say it is all political, and say our judicial system is corrupt. When the truth is not on your side there is little you can say. Sorry, you have no facts on your side. When you admit the truth, it will feel better. Please address the statemnts I made with facts, not just it is the political system\’s fault. BTW, is the system always corrupt, even if State Farm wins, or only when State Farm loses and it doesn\’t fit your needs?
You continue to call Senator Lott, my Senator, and say I reside in Mississippi. I am not a resident of Mississippi. I have lived there in the past and worked claims there in the past as a non-resident. I would try to address the inaccuracies in your post but they are many and basically display your love for State Farm, not factual. If you ever provide factual information, I will be happy to refute it. Until then, there is no rebuttal to your incorrect opinion other that to state the truth, which I have done.
Good point David.
If the normal practice in other engineering firms is to write a report without viewing the property, then this shouldn\’t have been a problem. I personally think that the engineer SHOULD view the property but I am not an engineer.
If it is normal practice, it is nice to know that the jury made up their own \”rules\”. This is why I wouldn\’t want to sit on a jury with others who will just disregard the judge\’s instructions and all logic as well.
I wonder how this will play out.
Engineers should physically inspect every loss they sign as the prime engineer. However, with this said, they had committee meetings on every claim I had in Katrina. The inspecting engineer signed off, but a superior also signed off as a superior and sometimnes there was mention of the committee meeting in the report.
Both the insured and engineer have some answering to do. The insured attempted to claim something which was not on the policy and the engineer, whether there was or not, gave the appearance of impropriety. The jury, as is usually the case sided with teh deep pockets.
I do have to agree that the insured should have to repay NFIP for all damages to the main floor level and above as it has now been adjudicated that flood was not the cause. There are many times covered in the space under the elevated risk which could approach six figures. I have worked many flood losses where there were substantial damages covered below the main floor.
I would like to know how good the Allstate\’s attorney\’s felt after the engineer\’s respective depositions. From what the article tells us and my experience in this field, I would several issues:
1) The person writing the report and gathering the information are not the same person. (mild concern)
2) The person writing the report never stepped foot on the property until after his report was completed. (very concerned)
3) There appeared to be a conflict amongst the same firm regarding what caused the damage. (settle claim before trial)
I know SF is being run thru the mill over their engineering firms reports. These firms have to realize their reports have to be definitive. The insurance companies can\’t have any grey areas in them. That was likely the reason why SF had some of their reports re-done. If the report can be interpreted differently that will kill you in court. It has to be black and white….live by the sword die by the sword.
This is a site for up to date insurance articles and insurance professionals. Unfortunately, i have taken over the IJ as i am a non insurance person and love to belittle, harasse (sexually and otherwise) everybody on this site because i am the king of all things related to insurance and everyone else (especially \’dem women) who have absolutely no knowledge of insurance. There are a couple of knowledgeable people here but for the most part I am the only smart person on this site and I have eyes and ears in every courthouse, attorney office and pltfs homes so I have up to the minute details as to the status of these adjudicated losses. ccording to one poster, Ed Rust put out a memo to defend State Farm to the death, I did not get this memo as I was fired by SF prior to Katrina and that\’s why I hate them so much.
Joe
Now don\’t you feel better. That weight must have been awfully heavy. Now, I guess we can all get along.
Too funny! I am glad you got that off your chest. :) I am sure you feel much better.
Now, can someone tell me what this means?
\”The jury, as is usually the case sided with teh deep pockets.\” -previous post by (fake)adjusterjoe
If the plaintiff won, how did the jury side with the deep pockets aka Allstate?
If that was supposed to mean the jury sided AGAINST the deep pockets then I guess you know who wasn\’t very impartial after all. (As if anyone thought he was…)
Sorry about SF firing you Joe. I hope you filed for unemployment.