Ok, this is something I would have expected from Allstate/Farmers/USAA….. What\’s going on over at State Farm these days?? They\’re not public, so it\’s hard to see inside, but it seems more and more people are unhappy with this company… And it seems more and more they ignor evidence and only see what they want and wait until what the courts tell them to do. With hurricanes and car accidents, here lately..
Readers note: In this post, I have used Brackets \”( )\” for those who can\’t understand the \”English Language\”.
This sub-group includes, but not limited to: Most Attorneys, Liberal Wacko\’s, Cindy Sheehan, Michael Moore, the entire staff of the ACLU and members of the Elite Media. Additionally, very Stupid People.
Folks, let\’s face it, the policy is a contract (Things that must be done for legal reasons), right ? It contains \”Language\” (Those Word Thingies)which are what they are. If \”Wind\” is the covered peril, then guess what, Wind will get covered (Paid under the policy).
Yes, Wind is that stuff brought out by nasty storms referred to as \”Hurricanes\”
In my State, Pennsylvania, our HO policy form(The \”Insurance Contract\”)has things called \”Exclusions\” (Things not allowed to be covered)guess what is listed in the exclusions ? FLOODs (The Water problem that hit New Orleans, Genius)Guess what, you need a separate policy for \”Flood\” Coverage (A Flood Policy) Most of the effected people in New Orleans didn\’t have this \”Flood Policy\” (Contract). So, the end point is guess what, no Flood Policy, NO COVERAGE. (No Payments)
Why is everybody having trouble with this. Oh, I forgot, people in this area have trouble with \”Personal Responsibility\” (Being able to Care for oneself) Now we have to Bail out these people who did not plan ahead, this is BUNK (Crap). Additionally, when insurers follow the policy language (The Contract), they are villified and treated like Dogs and Garbage. Well folks, the real Dogs and Garbage are not the insurers here, they are all of the people who want a \”Free Ride\” (Handout) A Ticket out of the self created problems inflicted upon oneself. What ever happened to Personal Responsibility and Pride. I know and have Known many people who would\’nt dare take a \”Handout\” becouse they had too much respect for themselfs. When confronted with troubles, they \”Pulled\” themselfs up and worked out of the problem. Is this Self Accountability concept Dead in America. Are we all reduced to \”Crying\” for \”Handouts\” and \”Food Stamps\” Its times like this that I wonder what have we done to this fine country.
Wow, I feel much better.
My understanding, (I\’m an Illinois agent) from my family (who live in Florida) is that it covers wind damage from a declared hurricane. No endorsement, no coverage. My family has Travelers and they have refused to pay for damage to a dock because the damage was caused by water, not wind. Of course, it was the wind pushing the water. Any Florida agents have a suggestion.
A new twist to State Farm and Allstate\’s hurricane Rita damage UNDER-assessment schemes is to claim that wind debris damage to asphalt / fiberglass roofing system shingles, is not really damage they insure for.
They now claim that when wind borne debris (sand, pebbles, vegetation, etc.) strips off the granular surface component, sometimes even down to the fiberglass matting, that that abrasive striping of the shingle…is not (wink-wink) reallllyy shingle damage.
Another (untrue) claim they both are spreading, (through Pilot Claim Service adjusters), in and around the Beaumont Texas area, is that the tar sealant bond that keeps one shingle attached to the one below it, is also not (wink-wink) realllyy damaged when wind lift breaks the bond.
As wind loads break apart the (factory engineered and wind warrantied) tar sealant bond, and leaves behind debris under the shingles, the heat from the sun commonly causes the debris to become attached to the tar and commonly prohibits the shingles from (thermally) sealing back together…an obvious danger to the home / business structure, and the inhabitants of the structure…especially along the hurricane prone Gulf Coast.
To help Allstate, Pilot Claim Service, and State Farm (permanently?) correct their shingle wind damage assessment errors, voluntarily reopen claims incorrectly assessed, and to help the general public receive a reasonable shingle roofing system wind damage assessment review from insurance adjusters, the following fresh technical information, received from a credible and proven shingle manufacturer, is provided for the general public;
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.
Large premiums + large deductibles + large depreciation factors + untrue and irresponsible and life endangering claim loss damage assessments = Minimal claim loss payouts, and Grrrreat!!! 2003, 2004, 2005 profits…
Too bad for some insurers that a thing called \’Market Conduct Examinations\’, periodically performed by insurance regulatory market conduct examination professionals, and others, is not going to kind to them, or to their market investment support…
Think about that the next time you see a ad from an insurer that wants you to trust them with your family\’s welfare, and your money.
Did the insured have flood coverage and did they collect from the flood carrier? They should nto be in a postion to collect twice, from the flood carrier and underlying HO policy.
I have been in the business for years and more than likely the class action lawsuits will force the carrier to the table. The State Insurance Dept should also step in and address this issue.
The people pay premiums for coverages and I see too many carriers come up with excuses. The carriers have filed with each state and this will come back to haunt them.
Certain carriers are showing their true colors and it time that the average person fight back. No is going to stand for anymore excuses.
So if you have wind damage, then the house catches on fire, then after that the rubble washes away in the storm surge you can collect three times? WOW House value x 3 WHAT A COUNTRY! COOL.
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Ok, this is something I would have expected from Allstate/Farmers/USAA….. What\’s going on over at State Farm these days?? They\’re not public, so it\’s hard to see inside, but it seems more and more people are unhappy with this company… And it seems more and more they ignor evidence and only see what they want and wait until what the courts tell them to do. With hurricanes and car accidents, here lately..
Readers note: In this post, I have used Brackets \”( )\” for those who can\’t understand the \”English Language\”.
This sub-group includes, but not limited to: Most Attorneys, Liberal Wacko\’s, Cindy Sheehan, Michael Moore, the entire staff of the ACLU and members of the Elite Media. Additionally, very Stupid People.
Folks, let\’s face it, the policy is a contract (Things that must be done for legal reasons), right ? It contains \”Language\” (Those Word Thingies)which are what they are. If \”Wind\” is the covered peril, then guess what, Wind will get covered (Paid under the policy).
Yes, Wind is that stuff brought out by nasty storms referred to as \”Hurricanes\”
In my State, Pennsylvania, our HO policy form(The \”Insurance Contract\”)has things called \”Exclusions\” (Things not allowed to be covered)guess what is listed in the exclusions ? FLOODs (The Water problem that hit New Orleans, Genius)Guess what, you need a separate policy for \”Flood\” Coverage (A Flood Policy) Most of the effected people in New Orleans didn\’t have this \”Flood Policy\” (Contract). So, the end point is guess what, no Flood Policy, NO COVERAGE. (No Payments)
Why is everybody having trouble with this. Oh, I forgot, people in this area have trouble with \”Personal Responsibility\” (Being able to Care for oneself) Now we have to Bail out these people who did not plan ahead, this is BUNK (Crap). Additionally, when insurers follow the policy language (The Contract), they are villified and treated like Dogs and Garbage. Well folks, the real Dogs and Garbage are not the insurers here, they are all of the people who want a \”Free Ride\” (Handout) A Ticket out of the self created problems inflicted upon oneself. What ever happened to Personal Responsibility and Pride. I know and have Known many people who would\’nt dare take a \”Handout\” becouse they had too much respect for themselfs. When confronted with troubles, they \”Pulled\” themselfs up and worked out of the problem. Is this Self Accountability concept Dead in America. Are we all reduced to \”Crying\” for \”Handouts\” and \”Food Stamps\” Its times like this that I wonder what have we done to this fine country.
Wow, I feel much better.
My understanding, (I\’m an Illinois agent) from my family (who live in Florida) is that it covers wind damage from a declared hurricane. No endorsement, no coverage. My family has Travelers and they have refused to pay for damage to a dock because the damage was caused by water, not wind. Of course, it was the wind pushing the water. Any Florida agents have a suggestion.
4-7-2006
A new twist to State Farm and Allstate\’s hurricane Rita damage UNDER-assessment schemes is to claim that wind debris damage to asphalt / fiberglass roofing system shingles, is not really damage they insure for.
They now claim that when wind borne debris (sand, pebbles, vegetation, etc.) strips off the granular surface component, sometimes even down to the fiberglass matting, that that abrasive striping of the shingle…is not (wink-wink) reallllyy shingle damage.
Another (untrue) claim they both are spreading, (through Pilot Claim Service adjusters), in and around the Beaumont Texas area, is that the tar sealant bond that keeps one shingle attached to the one below it, is also not (wink-wink) realllyy damaged when wind lift breaks the bond.
As wind loads break apart the (factory engineered and wind warrantied) tar sealant bond, and leaves behind debris under the shingles, the heat from the sun commonly causes the debris to become attached to the tar and commonly prohibits the shingles from (thermally) sealing back together…an obvious danger to the home / business structure, and the inhabitants of the structure…especially along the hurricane prone Gulf Coast.
To help Allstate, Pilot Claim Service, and State Farm (permanently?) correct their shingle wind damage assessment errors, voluntarily reopen claims incorrectly assessed, and to help the general public receive a reasonable shingle roofing system wind damage assessment review from insurance adjusters, the following fresh technical information, received from a credible and proven shingle manufacturer, is provided for the general public;
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
Large premiums + large deductibles + large depreciation factors + untrue and irresponsible and life endangering claim loss damage assessments = Minimal claim loss payouts, and Grrrreat!!! 2003, 2004, 2005 profits…
Too bad for some insurers that a thing called \’Market Conduct Examinations\’, periodically performed by insurance regulatory market conduct examination professionals, and others, is not going to kind to them, or to their market investment support…
Think about that the next time you see a ad from an insurer that wants you to trust them with your family\’s welfare, and your money.
Make sure they do not (cleverly) steal either…
rogerpoegc@yahoo.com
Correction: State Farm is not using Pilot Claim Service in the Beaumont Texas area.
Did the insured have flood coverage and did they collect from the flood carrier? They should nto be in a postion to collect twice, from the flood carrier and underlying HO policy.
I have been in the business for years and more than likely the class action lawsuits will force the carrier to the table. The State Insurance Dept should also step in and address this issue.
The people pay premiums for coverages and I see too many carriers come up with excuses. The carriers have filed with each state and this will come back to haunt them.
Certain carriers are showing their true colors and it time that the average person fight back. No is going to stand for anymore excuses.
And Roger, lets hope none of the homeowners are using you.
So if you have wind damage, then the house catches on fire, then after that the rubble washes away in the storm surge you can collect three times? WOW House value x 3 WHAT A COUNTRY! COOL.
What exactly is the Hurricane Endorsement referred to by the State Farm policyholder? Does anyone know?