TXGuru,
Thx for \”Righting the USS KIM DAVID\”. She was listing over to the Far Left. I think we need to educate these folks on simple policy forms and what coverage is provided by them. I cannot see what the issue is. FLOOD IS NOT COVERED. If you can prove wind losses, then you might have a chance. This is getting sad. Kim, I know you had a bad loss. If it was caused by a covered peril, you should be paid. If it was caused by Water/Flooding, well you won\’t get very far. Sorry for you loss.
WE COMMEND JUDGE SIMPSON! A MAN OF HONOR.
IF STATE FARM HAS NOTHING TO HIDE, THEN WHY ARE THEY TRYING TO BLOCK REVIEW OF DOCUMENTS… THEY IMMEDIATELY PAID CLIENTS
ON THE SPOT AND IN FULL WHEN THEY HAD VIDEO TAPE EVIDENCE SHOWING WINDS DESTROYING BEFORE THE WATER ARRIVED!
WHERE ARE THEY?
STATE FARM USED THEIR FAVORITE EXCUSE,
TO DENIED MY CLAIM. THE ENGINEERING FIRM.
MY STATE FARM ADJUSTER SAID
\”THE ENGINEERING FIRM SAID THAT
WATER DAMAGED MY HOME AND
STATE FARM REFUSES TO PAY ONE DOLLAR\”
MONTHS LATER I WAS TOLD BY A STATE FARM SUPERVISOR THAT THEY ARE VERY SORRY
BUT MY RECORDS DO NOT SHOW AN ENGINEER OR ANY ENGINEERING FIRM WAS EVER AT MY PROPERTY. THEY WOULD SEND ANOTHER ADJUSTER OUT IMMEDIATELY.
THAT WAS ANOTHER LIE.
ALL THEY DID WAS HAVE A SLICK TALKING STATE FARM REP CALL ME TO INFORM ME THAT THEY DENIED THE CLAIM.
STILL NO ENGINEER
STILL NO MONEY.
Try reading the article again. They\’re not trying to block the attorneys prosecuting THIS case from viewing the documents. They are trying to prevent lawyers with no involvement in this case from seeing the documents. Perfectly legal premise for doing so. I\’m not saying they don\’t have anything to hide because I don\’t know one way or the other. I don\’t work there and I\’m not insured with them. What I can tell you is that you don\’t get to be the largest carrier in the country by cheating your insureds or perpetuating mass fraud.
Now, I want you to go back and read your policy. If State Farm uses a policy anything CLOSE to the standard Homeowner policy form, you have to prove you sustained damage from a covered peril (e.g. wind). That\’s why the people with proof were paid on the spot. If you can\’t prove that, the only obvious and determinable cause of loss would be flood, which IS NOT, AND HASN\’T BEEN COVERED BY THE PRIVATE MARKET IN 40 YEARS!
I\’m sorry for your loss, and I sympathize if State Farm is truly giving you the run around (been there myself), but they are not responsible to pay for a loss that wasn\’t covered and for which you paid no premium.
Engineers are a such a waste. Most know less than adjusters.
The company reserves the right to make its own determination and if the insured disagrees he can go to the legal system.
Why is this so complicated?
Insurance companys who hire and pay for their own engineering firms must be careful of being biased or they risk punitive damages on top of paying for the loss in a court room but with flood and wind losses, the distinction is unmistakable. Any experienced adjuster knows the difference. You dont need an engineer for that.
In Miss and La there is NO question that flooding caused ALL these damages and this is excluded also with wind driven water.
Lott and the others were negligent in not carrying flood insurance and they know it and are no more special than anyone. Miss and La havent had a hurricane in ages so they were the blame. Those who carried flood should the ones mad as hell at them for trying to cheat.
Typical politican. Lott thinks just because he is a US Senator he commands anything he wants. This is nothing but pure arrogance.
Hopefully the courts will rule against him and his ilk not for the sake of any insurance company but because you cant lie and cheat the government in real life like you can in Washington DC.
Who pays for all flood losses in anyway but the government and taxpayers.
As a ex catastrophe adjuster I am shocked at what the companies are doing. How can they over look the fact that wind in excess of 160 mph hammered the coast for hours before the flood even arrived.
I\’m proud to now be part of what the industry now calls \”THE DARK SIDE\”.
Flooded, I not sure you have all the facts. I personaly know the facts in a couple of these cases (not Trent\’s, but a few other). There are several eye witnesses, forensic engineering report, forensic weather reports, expert tree analysis, and more scientific data showing that most of these structures were structurally destroyed before the water ever got there. If you think Trent is just throwing his weight around then help these people call for an independent congressional investigation into the insurance industry\’s fraud and lets see what comes of it. People and businesses have been known to do a lot of things for a whole lot less than the $100 billion of exposure the industry had after Katrina. Have these companies (who everyone on the other side of the fence thinks is so reputable) ever had this kind of record exposure? The FBI has raided them before!
For all you out there saying that it is water not wind. These insurance companies are big business, they are money managers and their job is to make as much money as possible any way possible. Just like the car makers, they determine their cost, is it cheaper to recall a car or go to court on the few law suits they get caught on. What is the interest on $100 billion for the six month that the insurance companies have held the money. Why not alter reports and use delay tactics and then settle on the steps of the court house. Insurance companies are no different from the rest of big corporate America, what makes anyone think just because they sell insurance they have any convictions. Can you say \”Enron\”.
If there is a God….
He Allowed Katrina for a reason.
It was a Hurricane Called Katrina
that blew the covers of the Insurance Industry and the Elected Officials that lobby. Katrina exposed Mortguage Companies for buying time for profit.
Katrina exposed greed and theft and it\’s not over yet.
All survivors have a 2nd chance to to what\’s right. Turn Over a New Leaf. It\’s your choice.
You can\’t serve two masters and
you can\’t take one penny with you
when you die.
Be good to each other, it\’s free.
Come On People Now, Smile on Your Brother…Everybody Get Together and try to love one and other right now.
Your Statement Denies Paying for Wind Damage. That alone is proof that the exclusions are theft by fraud.
You charge higher premiums than flood but you will never pay.You wait for the water and there is your loop hole.
Please explain why we pay for hurricane insurance?
Add Your Annual Premium
Add Your Policy Deductible
Add Your Additional 15% Hurricane Ded.
Factor The Golden Rule: They only pay above the WATER LINE.
If you are lucky…they may pay for a new roof, minus DEPRECIATION, DEDUCTIBLES AND PREMIUMS PAID.
WHAT\’S THAT SPELL.
UNAMERICAN!
THEFT, FRAUD AND BETRAYAL TO AMERICANS.
PAY FOR WIND DAMAGE OR LEAVE THE USA.
EVERY HURRICANE PRODUCES WIND AND WATER DAMAGE. STOP INSULTING AMERICA.
YOU\’RE BUSTED.
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TXGuru,
Thx for \”Righting the USS KIM DAVID\”. She was listing over to the Far Left. I think we need to educate these folks on simple policy forms and what coverage is provided by them. I cannot see what the issue is. FLOOD IS NOT COVERED. If you can prove wind losses, then you might have a chance. This is getting sad. Kim, I know you had a bad loss. If it was caused by a covered peril, you should be paid. If it was caused by Water/Flooding, well you won\’t get very far. Sorry for you loss.
WE COMMEND JUDGE SIMPSON! A MAN OF HONOR.
IF STATE FARM HAS NOTHING TO HIDE, THEN WHY ARE THEY TRYING TO BLOCK REVIEW OF DOCUMENTS… THEY IMMEDIATELY PAID CLIENTS
ON THE SPOT AND IN FULL WHEN THEY HAD VIDEO TAPE EVIDENCE SHOWING WINDS DESTROYING BEFORE THE WATER ARRIVED!
WHERE ARE THEY?
STATE FARM USED THEIR FAVORITE EXCUSE,
TO DENIED MY CLAIM. THE ENGINEERING FIRM.
MY STATE FARM ADJUSTER SAID
\”THE ENGINEERING FIRM SAID THAT
WATER DAMAGED MY HOME AND
STATE FARM REFUSES TO PAY ONE DOLLAR\”
MONTHS LATER I WAS TOLD BY A STATE FARM SUPERVISOR THAT THEY ARE VERY SORRY
BUT MY RECORDS DO NOT SHOW AN ENGINEER OR ANY ENGINEERING FIRM WAS EVER AT MY PROPERTY. THEY WOULD SEND ANOTHER ADJUSTER OUT IMMEDIATELY.
THAT WAS ANOTHER LIE.
ALL THEY DID WAS HAVE A SLICK TALKING STATE FARM REP CALL ME TO INFORM ME THAT THEY DENIED THE CLAIM.
STILL NO ENGINEER
STILL NO MONEY.
Kim…
Try reading the article again. They\’re not trying to block the attorneys prosecuting THIS case from viewing the documents. They are trying to prevent lawyers with no involvement in this case from seeing the documents. Perfectly legal premise for doing so. I\’m not saying they don\’t have anything to hide because I don\’t know one way or the other. I don\’t work there and I\’m not insured with them. What I can tell you is that you don\’t get to be the largest carrier in the country by cheating your insureds or perpetuating mass fraud.
Now, I want you to go back and read your policy. If State Farm uses a policy anything CLOSE to the standard Homeowner policy form, you have to prove you sustained damage from a covered peril (e.g. wind). That\’s why the people with proof were paid on the spot. If you can\’t prove that, the only obvious and determinable cause of loss would be flood, which IS NOT, AND HASN\’T BEEN COVERED BY THE PRIVATE MARKET IN 40 YEARS!
I\’m sorry for your loss, and I sympathize if State Farm is truly giving you the run around (been there myself), but they are not responsible to pay for a loss that wasn\’t covered and for which you paid no premium.
Engineers are a such a waste. Most know less than adjusters.
The company reserves the right to make its own determination and if the insured disagrees he can go to the legal system.
Why is this so complicated?
Insurance companys who hire and pay for their own engineering firms must be careful of being biased or they risk punitive damages on top of paying for the loss in a court room but with flood and wind losses, the distinction is unmistakable. Any experienced adjuster knows the difference. You dont need an engineer for that.
In Miss and La there is NO question that flooding caused ALL these damages and this is excluded also with wind driven water.
Lott and the others were negligent in not carrying flood insurance and they know it and are no more special than anyone. Miss and La havent had a hurricane in ages so they were the blame. Those who carried flood should the ones mad as hell at them for trying to cheat.
Typical politican. Lott thinks just because he is a US Senator he commands anything he wants. This is nothing but pure arrogance.
Hopefully the courts will rule against him and his ilk not for the sake of any insurance company but because you cant lie and cheat the government in real life like you can in Washington DC.
Who pays for all flood losses in anyway but the government and taxpayers.
As a ex catastrophe adjuster I am shocked at what the companies are doing. How can they over look the fact that wind in excess of 160 mph hammered the coast for hours before the flood even arrived.
I\’m proud to now be part of what the industry now calls \”THE DARK SIDE\”.
Flooded, I not sure you have all the facts. I personaly know the facts in a couple of these cases (not Trent\’s, but a few other). There are several eye witnesses, forensic engineering report, forensic weather reports, expert tree analysis, and more scientific data showing that most of these structures were structurally destroyed before the water ever got there. If you think Trent is just throwing his weight around then help these people call for an independent congressional investigation into the insurance industry\’s fraud and lets see what comes of it. People and businesses have been known to do a lot of things for a whole lot less than the $100 billion of exposure the industry had after Katrina. Have these companies (who everyone on the other side of the fence thinks is so reputable) ever had this kind of record exposure? The FBI has raided them before!
For all you out there saying that it is water not wind. These insurance companies are big business, they are money managers and their job is to make as much money as possible any way possible. Just like the car makers, they determine their cost, is it cheaper to recall a car or go to court on the few law suits they get caught on. What is the interest on $100 billion for the six month that the insurance companies have held the money. Why not alter reports and use delay tactics and then settle on the steps of the court house. Insurance companies are no different from the rest of big corporate America, what makes anyone think just because they sell insurance they have any convictions. Can you say \”Enron\”.
What is the Dark Side?
If there is a God….
He Allowed Katrina for a reason.
It was a Hurricane Called Katrina
that blew the covers of the Insurance Industry and the Elected Officials that lobby. Katrina exposed Mortguage Companies for buying time for profit.
Katrina exposed greed and theft and it\’s not over yet.
All survivors have a 2nd chance to to what\’s right. Turn Over a New Leaf. It\’s your choice.
You can\’t serve two masters and
you can\’t take one penny with you
when you die.
Be good to each other, it\’s free.
Come On People Now, Smile on Your Brother…Everybody Get Together and try to love one and other right now.
Your Statement Denies Paying for Wind Damage. That alone is proof that the exclusions are theft by fraud.
You charge higher premiums than flood but you will never pay.You wait for the water and there is your loop hole.
Please explain why we pay for hurricane insurance?
Add Your Annual Premium
Add Your Policy Deductible
Add Your Additional 15% Hurricane Ded.
Factor The Golden Rule: They only pay above the WATER LINE.
If you are lucky…they may pay for a new roof, minus DEPRECIATION, DEDUCTIBLES AND PREMIUMS PAID.
WHAT\’S THAT SPELL.
UNAMERICAN!
THEFT, FRAUD AND BETRAYAL TO AMERICANS.
PAY FOR WIND DAMAGE OR LEAVE THE USA.
EVERY HURRICANE PRODUCES WIND AND WATER DAMAGE. STOP INSULTING AMERICA.
YOU\’RE BUSTED.