You still have not answered any of my questions regarding your opinion of the lawsuits. What proof do you have to stand behind your opinion regarding the lawsuits? Your position is a position generated by the media. You are \”assuming\” those claims were denied in their entirity. It would take a fool to say that a hurricane the size of katrina could come thru and not cause any damage (for wind). The several court cases that I\’ve seen and heard about every insurance company has offered something for the \”undisputed\” wind damage. The only reason why they are in court is for the \”disputed\” amount. You best go back and read the court records regarding the past lawsuits that have been heard and settled by State Farm and you will see that something has been offered in these cases before you keep running off at the mouth and stating a non-factual opinion. The more you keep writing and stating your opinion the more it sounds like your opinion is that of the media and you really don\’t possess much knowledge outside of what you\’ve read in the papers or heard on the radio. Here\’s your final question…because I know you still won\’t answer it at the beginning, what information do you possess that Nationwide or State Farm have denied slab cases in their entirity? and you can\’t use your 600-1000 cases in court as proof. Unless you worked those claims (which you didn\’t) then you really don\’t have any first hand knowledge and all you are making is assumptions…..Here\’s a final thought, of all the hundreds of thousands of claims that were settled in that area for wind damage, the only ones that are in court are the slab cases. If you plotted those slab cases I would bet they are all in the storm surge area. Makes you wonder why they are in court…because there disputed….just like personal injury lawsuits…there is always some amount agreed upon for monetary settlement but when you feel like you want, need or deserve more, then you sue and get your day in court. That doesn\’t make for a bad insurance company because they all do it, it is just the way the system works.
adjsuterrobert:
Read the article we are portsing under. The judge only sued for $75,000, not policy limits. State Farm and Nationwide have admitted that they denied slab cases. They indicate that they interpret he poicy different than all of the other carriers and jurisprudence. I REPEAT, if you have knowledge of any offer on slab cases, please provide it. You are the one trying to interject OPINION into this discussion. Facts are State Farm denied all slab cases unitl forced to comply with polciy language. THEY MADE NO OFFER on slab cases. If you have proof that they did, please provide it. otherwise admit you have not anything ot stand on.
Oh, for your proof, look at the article in the archives right here at this site on March 26, 2007, about the class action. It quotes State Farm as saying they denied slab cases as not covered. It is difficult to talk with someone as limited as you. You should probably get into a profession where you understand teh concepts, if you really are an adjuster.
#1: State Farm properly denied slab losses by applying the concurrent causation exclusion that is part of their policy. (If the property becomes a total loss because of an excluded peril, there is no coverage.) It is their right to include this exclusion. Their form was filed and approved by the department of insurance. And, like all other insurance policies these days, the language is such that a person with an 8th grade education can read and understand it. It\’s not the company\’s fault if the policy holder does not read it. In my opinion, any policy holder who does not take the time to read and understand their insurance policies are simply irresponsible.
#2: The reason State Farm and Nationwide are the only companies you hear about being sued is simple to understand….its because they write more policies in Mississippi than almost all the other companies combined. More importantly…they are two of only a handful who write homeowners policies in the coastal counties of the state. And, of that handful who write in the coastal counties, most of them do not cover wind damage. Furthermore, of those that write homeowners policies in the coastal counties AND include coverage for wind damage, almost none (other than State Farm and Nationwide) write homes closer than a mile from the water. That means that the vast majority of homes located close enough to the water to be included in the storm surge area were insured by either State Farm or Nationwide. And State Farm wrote more of these than did Nationwide. That means that State Farm got more slab claims that anybody else.
Then why, in the name of heaven, did they not quote the concurrent causation language in their denials? I have spoken with many adjusters who had similar language in their claims handled and paid the claims. There were and are other carriers who had slab claims that paid. No, State Farm cannot make up the rules as they go. Finally, we have a court system for this type problem and State Farm has been found to be wrong and blatantly wrong (enough to have punative awards). If they had just awarded some amount for wind, they could have avoided the punative damages, but they chose full speed ahead in the WRONG DIRECTION. BTW, which is their usual modus operandi.
My point is this adjusterjoe…you keep spouting off things you really don\’t have much information about except what you only read, hear or infer yourself. Unless you have seen a State Farm file on one of these so called slab cases, you really don\’t know what the hell you are talking about. Your position in regards to these cases would be like an attorney going to trial but only taking the depositions of only his clients. There are two sides to the story and like the Mississippi Underwriter pointed out, the State Farm policy has a little different language that what some other homeowner\’s policies have. Now lets get one thing straight, I don\’t know everything that is going on down around the coast but I don\’t go spouting off at the mouth about how a company runs it business until I know just exactly how it runs its business. My understanding of all the cases down in Mississippi is clear. They are trying to call storm surge something other than flood. That is where the concurrent language comes in. That is why the State Farm policy language says \”whether wind driven or not\”. It has been upheld recently in court as being clear and unambigious where some companies were left out in the cold. But I\’m sure you knew that since you are staying abreast of everything. I\’m not sure where the other $75,000.00 is coming from in regards to this case. Could be the remaining $75,000 of the policy or the disputed amout of damages between SF and their insured. But I\’m sure you know the answer to that question. I know engineering company after engineering company have been down there and done reports as to what damage occurred where and the judge appears to disregard what the experts are saying and taking care of their people.
There should be a change to the Hurricane list for this year and Joe\’s name should be added. Is it possible for someone to have so much wind (rant) with so little rain (facts). This adjustorjoe just absolutely amazes me.
Some of his stuff is very entertaining. He appears to be someone working on the inside for the SKG group. Might check to see if he is on their or Trent Lotts payroll.
It never ceases to amaze me that Dale can find so many other State Farm employees available to support the wrong decisions of State Farm. But, when the CEO sends out a memo as Dale says Rust did, I guess you are bought and paid for. BYW, Steve, are you Dales son or just a flunky in his office. Please elaborate on anything which has been incorrectly stated about State Farm as the courts agree with me and it sounds like you are just a bunch of sore losers. When State Farm pulls out of Mississippi, as I recall the unemployemnt rate is low, so, many of you will be on welfare.
We are still hear, adjusterjoe. Glad you missed us. I thought about taking the time to cite FACTS, which you have a problem doing, but you are showing your ignorance all by yourself, so rant on.
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You still have not answered any of my questions regarding your opinion of the lawsuits. What proof do you have to stand behind your opinion regarding the lawsuits? Your position is a position generated by the media. You are \”assuming\” those claims were denied in their entirity. It would take a fool to say that a hurricane the size of katrina could come thru and not cause any damage (for wind). The several court cases that I\’ve seen and heard about every insurance company has offered something for the \”undisputed\” wind damage. The only reason why they are in court is for the \”disputed\” amount. You best go back and read the court records regarding the past lawsuits that have been heard and settled by State Farm and you will see that something has been offered in these cases before you keep running off at the mouth and stating a non-factual opinion. The more you keep writing and stating your opinion the more it sounds like your opinion is that of the media and you really don\’t possess much knowledge outside of what you\’ve read in the papers or heard on the radio. Here\’s your final question…because I know you still won\’t answer it at the beginning, what information do you possess that Nationwide or State Farm have denied slab cases in their entirity? and you can\’t use your 600-1000 cases in court as proof. Unless you worked those claims (which you didn\’t) then you really don\’t have any first hand knowledge and all you are making is assumptions…..Here\’s a final thought, of all the hundreds of thousands of claims that were settled in that area for wind damage, the only ones that are in court are the slab cases. If you plotted those slab cases I would bet they are all in the storm surge area. Makes you wonder why they are in court…because there disputed….just like personal injury lawsuits…there is always some amount agreed upon for monetary settlement but when you feel like you want, need or deserve more, then you sue and get your day in court. That doesn\’t make for a bad insurance company because they all do it, it is just the way the system works.
adjsuterrobert:
Read the article we are portsing under. The judge only sued for $75,000, not policy limits. State Farm and Nationwide have admitted that they denied slab cases. They indicate that they interpret he poicy different than all of the other carriers and jurisprudence. I REPEAT, if you have knowledge of any offer on slab cases, please provide it. You are the one trying to interject OPINION into this discussion. Facts are State Farm denied all slab cases unitl forced to comply with polciy language. THEY MADE NO OFFER on slab cases. If you have proof that they did, please provide it. otherwise admit you have not anything ot stand on.
Oh, for your proof, look at the article in the archives right here at this site on March 26, 2007, about the class action. It quotes State Farm as saying they denied slab cases as not covered. It is difficult to talk with someone as limited as you. You should probably get into a profession where you understand teh concepts, if you really are an adjuster.
#1: State Farm properly denied slab losses by applying the concurrent causation exclusion that is part of their policy. (If the property becomes a total loss because of an excluded peril, there is no coverage.) It is their right to include this exclusion. Their form was filed and approved by the department of insurance. And, like all other insurance policies these days, the language is such that a person with an 8th grade education can read and understand it. It\’s not the company\’s fault if the policy holder does not read it. In my opinion, any policy holder who does not take the time to read and understand their insurance policies are simply irresponsible.
#2: The reason State Farm and Nationwide are the only companies you hear about being sued is simple to understand….its because they write more policies in Mississippi than almost all the other companies combined. More importantly…they are two of only a handful who write homeowners policies in the coastal counties of the state. And, of that handful who write in the coastal counties, most of them do not cover wind damage. Furthermore, of those that write homeowners policies in the coastal counties AND include coverage for wind damage, almost none (other than State Farm and Nationwide) write homes closer than a mile from the water. That means that the vast majority of homes located close enough to the water to be included in the storm surge area were insured by either State Farm or Nationwide. And State Farm wrote more of these than did Nationwide. That means that State Farm got more slab claims that anybody else.
Then why, in the name of heaven, did they not quote the concurrent causation language in their denials? I have spoken with many adjusters who had similar language in their claims handled and paid the claims. There were and are other carriers who had slab claims that paid. No, State Farm cannot make up the rules as they go. Finally, we have a court system for this type problem and State Farm has been found to be wrong and blatantly wrong (enough to have punative awards). If they had just awarded some amount for wind, they could have avoided the punative damages, but they chose full speed ahead in the WRONG DIRECTION. BTW, which is their usual modus operandi.
My point is this adjusterjoe…you keep spouting off things you really don\’t have much information about except what you only read, hear or infer yourself. Unless you have seen a State Farm file on one of these so called slab cases, you really don\’t know what the hell you are talking about. Your position in regards to these cases would be like an attorney going to trial but only taking the depositions of only his clients. There are two sides to the story and like the Mississippi Underwriter pointed out, the State Farm policy has a little different language that what some other homeowner\’s policies have. Now lets get one thing straight, I don\’t know everything that is going on down around the coast but I don\’t go spouting off at the mouth about how a company runs it business until I know just exactly how it runs its business. My understanding of all the cases down in Mississippi is clear. They are trying to call storm surge something other than flood. That is where the concurrent language comes in. That is why the State Farm policy language says \”whether wind driven or not\”. It has been upheld recently in court as being clear and unambigious where some companies were left out in the cold. But I\’m sure you knew that since you are staying abreast of everything. I\’m not sure where the other $75,000.00 is coming from in regards to this case. Could be the remaining $75,000 of the policy or the disputed amout of damages between SF and their insured. But I\’m sure you know the answer to that question. I know engineering company after engineering company have been down there and done reports as to what damage occurred where and the judge appears to disregard what the experts are saying and taking care of their people.
There should be a change to the Hurricane list for this year and Joe\’s name should be added. Is it possible for someone to have so much wind (rant) with so little rain (facts). This adjustorjoe just absolutely amazes me.
Some of his stuff is very entertaining. He appears to be someone working on the inside for the SKG group. Might check to see if he is on their or Trent Lotts payroll.
It never ceases to amaze me that Dale can find so many other State Farm employees available to support the wrong decisions of State Farm. But, when the CEO sends out a memo as Dale says Rust did, I guess you are bought and paid for. BYW, Steve, are you Dales son or just a flunky in his office. Please elaborate on anything which has been incorrectly stated about State Farm as the courts agree with me and it sounds like you are just a bunch of sore losers. When State Farm pulls out of Mississippi, as I recall the unemployemnt rate is low, so, many of you will be on welfare.
We are still hear, adjusterjoe. Glad you missed us. I thought about taking the time to cite FACTS, which you have a problem doing, but you are showing your ignorance all by yourself, so rant on.
To qoute the American Negro College Fund; \”A mind is a terrible thing to waste.\” Too bad you never had a chance Dale.