With all that rambling verbage, and bunches of it misspelled, one can only assume that at least one of your o-rings has shrunken to the point of no return.
Now then, since someone has satisfied your need for somebody to reply back, you can sleep well.
And bring Webster with you if you\’re able to pass through our universe again.
The job of insurance commissioner should not be elected. The original intent of the position (1880s) was to assure the solvency of the companies. The worst thing for a consumer is an insolvent company at claim time.
For obvious reasons, making the job of commissioner a popularity contest has disasterous results.
Brad
If you have a hail storm and damage is none to your roof then the roof damage would be paid by the policy covering hail.
But if just after the hail dinged the roof a tsunami washes away the whole house leaving just a bare lot, you would have nothing to show there was any damage from the hail and the policy covering flood would pay all it could.
Compare what State Farm is doing to the victims of Katrina with what they have done in other matters. For example State Farm has committed perjury to the IRS to avoid paying state and federal taxes on some $3 Billion of annual payroll. If State Farm can get away with lying to the IRS what chance does a policyholder have? I have the evidence of State Farm\’s perjury and can provide it if it would be beneficial to any of those involved in any litigation with State Farm. It would seem that a court would want to know that a company like State Farm will lie, can\’t be relied upon to present honest evidence and may even manufacture evidence.
I can\’t say this is happening in all cases – it\’s just another way to look at the same issue.
Usually in a Cat the ins. companies tend to \”over write\” the estimates a bit – the idea being to get the claims closed as fast as possible without any supplements. (That\’s how we do it).
However, due to the number of claims and the amount of damage, insurance companies, esp the smaller ones, may not be able to financially survive Katrina. Perhaps – it\’s not a great scheme to mistreat and take advantate of customers – perhaps companies are just writting the estimates \”tight\” and then handling the additional damage on supplements. (which is not normally how Cat claims are done). That way, the insurers can try to stretch out their reserves. If the ins co ends up not having enough money to handle all the claims – at least they have given a little money to all/most policy holders with covered losses. Of course with the volume of claims they have there- handling claims this way will take longer.
I don\’t know that the large companies, like State Farm, are handling claims this way. But this may be the motivation for the smaller companies, who may not survive this financially. It\’s just a suggestion.
To them, perjury is a slap on the wrist. Lying + Cheating their Clients is Theft By Fraud and there is clearly a pattern.
FEMA SHOULD SELL HURRICANE INSURANCE…
INCLUDING WIND AND/OR WATER.
I resent paying premiums to State Farm.
My Adjuster flat out lied to me.
He said that State Farm Refuses to pay $1 because the Engineering Firm said my damage was caused by water.
When I asked him for the name of That Engineering Firm, He refused to give it.
I spoke with a State Farm Supervisor and
he said my records show No Engineering Firm Sent to my Property and no Engineer was ever there. He said he was very sorry that they would send out another adjuster immediately. Another Snake Farm Lie.
All they did was have one of their slick talking people call me to tell me that they are denying my claim because it was all water damage and that\’s another lie.
Is there any honor left in mankind?
Fact: The last 3 LA Insurance Commissioners went to prison.
It\’s a matter of time because the truth will prevail.
So Run, Run, As Fast As You Can…
All Of You Boys
In The Good Old Boys Band.
The Statue of Liberty..
that You can see,
She is a lady and
she represents me.
The Statue of Liberty…
O Say Can You See,
Will take your title
away from thee.
It\’ Justice for all,
The American Way
Be good to the people
or get out Our Way.
Everybody keeps talking about State Farm like they are really huge. They aren\’t as big as you might think.
Measured by assets on a list of the world\’s 50 largest insurance companies they are in the 40s.
Is is disturbing to note that in Texas, hurricane Rita claimants are being told by State Farm and Allstate that wind lifted / broken tar sealant bonds on shingles, is not (policy covered) damage to shingles.
ELK Corporation strongly disagrees;
__________
TECHNICAL BULLETIN – HURRICANE EXPOSURE
The process of detecting and evaluating damage from hurricane exposure is subjective at best, and often everyone involved may offer a different assessment.
Damage can range from wind uplift, shingle loss, broken sealant bonds, granule loss, external sources, and may not be readily apparent. However, even small amounts of damage can harm the surfacing material, leading to deterioration of the shingles months or years later.
GRANULE LOSS
Regarding damage to the embedded granule surfacing in the asphalt top coating, hurricane wind exposure can result in varying degrees of granule loss. Hurricane wind exposure loosens the granules, potentially allowing the granules to separate from the coating layer and wash off the roof.
Without the granule surfacing, the asphalt top coating is exposed to ultraviolet radiation from ordinary sunlight and will eventually deteriorate, exposing the fiberglass substrate and creating a leak potential. If a shingle indicates outward damage, the underlying components may be compromised and affected to some degree.
The extent of granule loss resulting from hurricane exposure is influenced by, but not limited to, the following:
1. Age of the product.
2. Force and duration of winds and wind driven rain.
3. Type and amount of wind driven debris.
4. Orientation and slope of the deck in relation to winds.
5. Amount of foot traffic.
BROKEN SEALANT BONDS
When sealant bonds are broken due to hurricane winds, it is possible, but not likely, for shingles to reseal. The subsequent strength of resealing, if any, would not be as strong as the initial thermal bond and would be contingent on, but not limited to, the following:
1. Age of the product.
2. Time of year and amount of exposure to ambient temperatures.
3. Length of time before shingles are exposed to subsequent high wind events.
4. Orientation and slope of deck.
5. Stress and strain on the shingles due to exposure to sustained high winds and/or deck movement.
6. Number, placement, type, and length of fasteners.
7. Contamination to the sealant bonds by dirt, debris, or other foreign substance.
8. Condition of the underlying deck or underlying shingles if a roof over.
In accordance with the terms of the limited warranty, there is no coverage for damage caused by hurricanes. Shingles in hurricane areas will continue to carry the limited warranty for manufacturing defects and remaining limited wind warranty.
Any damage relating to conditions caused by a hurricane, including granule loss, breach of the seals, nail tears and other structural damage, will not be covered by the limited warranty or limited wind warranty at any time.
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
With all that rambling verbage, and bunches of it misspelled, one can only assume that at least one of your o-rings has shrunken to the point of no return.
Now then, since someone has satisfied your need for somebody to reply back, you can sleep well.
And bring Webster with you if you\’re able to pass through our universe again.
The job of insurance commissioner should not be elected. The original intent of the position (1880s) was to assure the solvency of the companies. The worst thing for a consumer is an insolvent company at claim time.
For obvious reasons, making the job of commissioner a popularity contest has disasterous results.
Brad
If you have a hail storm and damage is none to your roof then the roof damage would be paid by the policy covering hail.
But if just after the hail dinged the roof a tsunami washes away the whole house leaving just a bare lot, you would have nothing to show there was any damage from the hail and the policy covering flood would pay all it could.
Compare what State Farm is doing to the victims of Katrina with what they have done in other matters. For example State Farm has committed perjury to the IRS to avoid paying state and federal taxes on some $3 Billion of annual payroll. If State Farm can get away with lying to the IRS what chance does a policyholder have? I have the evidence of State Farm\’s perjury and can provide it if it would be beneficial to any of those involved in any litigation with State Farm. It would seem that a court would want to know that a company like State Farm will lie, can\’t be relied upon to present honest evidence and may even manufacture evidence.
I am sure Dickie Scruggslaw firm would love to have that, you should give them a call
I can\’t say this is happening in all cases – it\’s just another way to look at the same issue.
Usually in a Cat the ins. companies tend to \”over write\” the estimates a bit – the idea being to get the claims closed as fast as possible without any supplements. (That\’s how we do it).
However, due to the number of claims and the amount of damage, insurance companies, esp the smaller ones, may not be able to financially survive Katrina. Perhaps – it\’s not a great scheme to mistreat and take advantate of customers – perhaps companies are just writting the estimates \”tight\” and then handling the additional damage on supplements. (which is not normally how Cat claims are done). That way, the insurers can try to stretch out their reserves. If the ins co ends up not having enough money to handle all the claims – at least they have given a little money to all/most policy holders with covered losses. Of course with the volume of claims they have there- handling claims this way will take longer.
I don\’t know that the large companies, like State Farm, are handling claims this way. But this may be the motivation for the smaller companies, who may not survive this financially. It\’s just a suggestion.
To them, perjury is a slap on the wrist. Lying + Cheating their Clients is Theft By Fraud and there is clearly a pattern.
FEMA SHOULD SELL HURRICANE INSURANCE…
INCLUDING WIND AND/OR WATER.
I resent paying premiums to State Farm.
My Adjuster flat out lied to me.
He said that State Farm Refuses to pay $1 because the Engineering Firm said my damage was caused by water.
When I asked him for the name of That Engineering Firm, He refused to give it.
I spoke with a State Farm Supervisor and
he said my records show No Engineering Firm Sent to my Property and no Engineer was ever there. He said he was very sorry that they would send out another adjuster immediately. Another Snake Farm Lie.
All they did was have one of their slick talking people call me to tell me that they are denying my claim because it was all water damage and that\’s another lie.
Is there any honor left in mankind?
Fact: The last 3 LA Insurance Commissioners went to prison.
It\’s a matter of time because the truth will prevail.
So Run, Run, As Fast As You Can…
All Of You Boys
In The Good Old Boys Band.
The Statue of Liberty..
that You can see,
She is a lady and
she represents me.
The Statue of Liberty…
O Say Can You See,
Will take your title
away from thee.
It\’ Justice for all,
The American Way
Be good to the people
or get out Our Way.
Everybody keeps talking about State Farm like they are really huge. They aren\’t as big as you might think.
Measured by assets on a list of the world\’s 50 largest insurance companies they are in the 40s.
Is is disturbing to note that in Texas, hurricane Rita claimants are being told by State Farm and Allstate that wind lifted / broken tar sealant bonds on shingles, is not (policy covered) damage to shingles.
ELK Corporation strongly disagrees;
__________
TECHNICAL BULLETIN – HURRICANE EXPOSURE
The process of detecting and evaluating damage from hurricane exposure is subjective at best, and often everyone involved may offer a different assessment.
Damage can range from wind uplift, shingle loss, broken sealant bonds, granule loss, external sources, and may not be readily apparent. However, even small amounts of damage can harm the surfacing material, leading to deterioration of the shingles months or years later.
GRANULE LOSS
Regarding damage to the embedded granule surfacing in the asphalt top coating, hurricane wind exposure can result in varying degrees of granule loss. Hurricane wind exposure loosens the granules, potentially allowing the granules to separate from the coating layer and wash off the roof.
Without the granule surfacing, the asphalt top coating is exposed to ultraviolet radiation from ordinary sunlight and will eventually deteriorate, exposing the fiberglass substrate and creating a leak potential. If a shingle indicates outward damage, the underlying components may be compromised and affected to some degree.
The extent of granule loss resulting from hurricane exposure is influenced by, but not limited to, the following:
1. Age of the product.
2. Force and duration of winds and wind driven rain.
3. Type and amount of wind driven debris.
4. Orientation and slope of the deck in relation to winds.
5. Amount of foot traffic.
BROKEN SEALANT BONDS
When sealant bonds are broken due to hurricane winds, it is possible, but not likely, for shingles to reseal. The subsequent strength of resealing, if any, would not be as strong as the initial thermal bond and would be contingent on, but not limited to, the following:
1. Age of the product.
2. Time of year and amount of exposure to ambient temperatures.
3. Length of time before shingles are exposed to subsequent high wind events.
4. Orientation and slope of deck.
5. Stress and strain on the shingles due to exposure to sustained high winds and/or deck movement.
6. Number, placement, type, and length of fasteners.
7. Contamination to the sealant bonds by dirt, debris, or other foreign substance.
8. Condition of the underlying deck or underlying shingles if a roof over.
In accordance with the terms of the limited warranty, there is no coverage for damage caused by hurricanes. Shingles in hurricane areas will continue to carry the limited warranty for manufacturing defects and remaining limited wind warranty.
Any damage relating to conditions caused by a hurricane, including granule loss, breach of the seals, nail tears and other structural damage, will not be covered by the limited warranty or limited wind warranty at any time.
TB-420 2/24/06
ELK P.O. Box 500 Ennis, TX. 75120
Toll Free – 1-866-355-8324 http://www.elkcorp.com
__________
Seems like State Farm will have to justify their Texas wind coverage position, that soundly contradicts their Mississippi wind coverage position.
http://www.sunherald.com/mld/thesunherald/news/special_packages/renewal/long_beach/14281112.htm