It’s started. If the insurance companies responded positivly within acceptable time limits, public adjusters wouldn’t be necessary ; or at least, not as common. I suppose I’m trying to say we all need to do a better job.
My adjuster could not tell me if my claim was within the windstorm guidelines, he stated that his report will have to go to a board of insurance agencies, politicains, and other elected officials then and only then I will recieve an answer to my claim. Is this true and how can I get his report?
The 63% of claims that have been closed according to the TWIA. These claims are not defined of severity or simplicity but one could assume they must be of the less severe type. A simple claim 4 months after Ike can easily be closed with a simple adjustment. Once the hurricane hit no one knows or knew which policy would cover what claim. For instance, having a homeowners, windstorm and a flood make it difficult to have a settlement on any damage. If your fence is down and your house in Galveston was damaged, if you had a fence it probably was damaged, also. However, the fence would not be covered in the flood damage but in the TWIA policy. Don’t ask why? Because the flood policy would not cover a fence that is down but the TWIA policies allow for fence damage due to wind. Clearly, the claim could easily be made for the fence under the flood policy, but it’s not allowed by most companies. The water came into Galveston and the ground became wet and the movement of the fence happened and left most of the fence lines on the ground after the water receeded. This is only once instance of a claim that needs to be clearly defined. Also, this is a claim that can be cleared up rather quickly with no payout to the customer. The 63% of claims that have been closed can be a false and misleading number to those with an severe outstanding claim.
These are only some of the instances that I’m hearing from my website. Please feel free to send my your information on how your working your claim. Plus, keep up to the latest on the TWIA litigation that is going on in January in Austin, TX.
How can TWIA change the rules in the middle of the game? They pay for additional living expenses, but now they only want to give $100 a day. They are supposed to cover damage to the roof, but then I was told just last week “TWIA made the decision that lifted shingles is not considered severe enough damage for them to cover the repair.” I asked the adjuster to come and view the extent, but he said, “NOT COVERED!”
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It’s started. If the insurance companies responded positivly within acceptable time limits, public adjusters wouldn’t be necessary ; or at least, not as common. I suppose I’m trying to say we all need to do a better job.
My adjuster could not tell me if my claim was within the windstorm guidelines, he stated that his report will have to go to a board of insurance agencies, politicains, and other elected officials then and only then I will recieve an answer to my claim. Is this true and how can I get his report?
The 63% of claims that have been closed according to the TWIA. These claims are not defined of severity or simplicity but one could assume they must be of the less severe type. A simple claim 4 months after Ike can easily be closed with a simple adjustment. Once the hurricane hit no one knows or knew which policy would cover what claim. For instance, having a homeowners, windstorm and a flood make it difficult to have a settlement on any damage. If your fence is down and your house in Galveston was damaged, if you had a fence it probably was damaged, also. However, the fence would not be covered in the flood damage but in the TWIA policy. Don’t ask why? Because the flood policy would not cover a fence that is down but the TWIA policies allow for fence damage due to wind. Clearly, the claim could easily be made for the fence under the flood policy, but it’s not allowed by most companies. The water came into Galveston and the ground became wet and the movement of the fence happened and left most of the fence lines on the ground after the water receeded. This is only once instance of a claim that needs to be clearly defined. Also, this is a claim that can be cleared up rather quickly with no payout to the customer. The 63% of claims that have been closed can be a false and misleading number to those with an severe outstanding claim.
These are only some of the instances that I’m hearing from my website. Please feel free to send my your information on how your working your claim. Plus, keep up to the latest on the TWIA litigation that is going on in January in Austin, TX.
Clinton D. Richey
(800)776-0633
http://www.txwindstorminsurance.com
Copyright 2008
How can TWIA change the rules in the middle of the game? They pay for additional living expenses, but now they only want to give $100 a day. They are supposed to cover damage to the roof, but then I was told just last week “TWIA made the decision that lifted shingles is not considered severe enough damage for them to cover the repair.” I asked the adjuster to come and view the extent, but he said, “NOT COVERED!”