It seems that if the only thing left of a house is the slab, there must have been some wind. Is that correct?
The wind came first and yes carriers with honesty and integrity make an effort to pay for the reasonably expected damges prior to the strom surge, shingles, sheathing, siding, soffit and fascia, ceilings etc, all of which are usually above the surge line.
And, if there was wind and water damage, is the wind carrier allowed to deny the entire claim?
Sttae Farm and Nationwide attempt to do this with a concurrent causation clause in their policy, which has been struck down and again not even attempted by reputable carriers.
Does the same apply to the flood carrier? Finally, didn\’t most of the \”flood\” carriers go ahead and pay for the damage? And if so, how did they determine how much to pay?
For real property, there is only one carrier, NFIP, the federal governement. There are private carriers for auto and mobile home flood. The NFIP did in fact pay their damages. They use the height of flood waters to determine the break between wind and flood payments.
Where did you read or hear that Ed Rust sent out a memo to \”defend State Farm to the death\”? A memo was sent out, but it said nothing of what you have claimed.
In short, it advised everyone to take care of anyone that was displaced, even if they were not your customer.
Thanks for the info. It helps out a lot. It sounds like maybe that causation clause needs to go, or at least make it so the flood carrier and the wind carrier can negotiate they relative burden.
As an underwriter, I know that if I\’m required to put a form on a policy that would effectively remove coverage for the main exposure, I simply do not provide a quote. So, if there was an excavation contractor, and I had to put on an earth movement exclusion, I wouldn\’t quote. It seems unfair to provide coverage (and collect premium) for essentially no coverage. If this clause is used to exclude all damage if only 1% of the damage was caused by an excluded cause of loss, the DOI should really look into not approving it. This seems extremely unfair to insureds.
It was your buddy, agent Dale (if he really is an agent; I really find it hard to believe someone as limited as him is an agent), who said Rust sent out the memo. Glad to see you finally admit you are a SF employee and your opinion is jaded.
There is supposed to be a single adjuster program in place wherein one adjuster handles both the wind and flood damage on each individual claim. However, with that being said, the federal governement is very political and it is not uncommon for a squabble to arise over who is to handle both files. As independent adjusters are paid per file, on a schedule, they are very reluctant to give away an assignment.
I\’m an agent, but I wouldn\’t say my view is necessarily jaded. I\’m not an agent in the south, & I can\’t say I\’m happy with the way everything has been handled. That being said, I don\’t think State Farm deserves the bashing it has taken on this site.
As for what my \”buddy\” Dale said, he never said anything about Ed Rust asking us to defend State Farm to the death. I believe it was you who put those words in his mouth.
As for jaded views, I don\’t think we have to look any further than yours.
Mark – adjusterjoe get that memo right before he was **** canned from SF. He he hates SF with a passion and sits around and spews venom, lies and half-truths about SF.
You finally admitted you work for State Farm? I assume Joe means this post:
\”Where did you read or hear that Ed Rust sent out a memo to \”defend State Farm to the death\”? A memo was sent out, but it said nothing of what you have claimed.
In short, it advised everyone to take care of anyone that was displaced, even if they were not your customer.\”
Hmm, it doesn\’t sound to me as if that is what you did at all. ;)
It\’s nice when Joe tries to manipulate what people say (unsuccessfully) to try and prove his point.
I\’m still not saying State Farm didn\’t do anything wrong (and I never did)… but how about if everyone stops jumping to conclusions without all the facts? Oh right, because that won\’t ever happen. We decide what happened and then pick and choose evidence based on our own conclusions. Just because we *think* something happened a certain way doesn\’t make it so.
Anyhow, of course Joe never answered *my* question. He seems to do that when he knows he is wrong.
P.S. Mark, tonight some of the gang and I are going for beers. Since we work for State Farm, the local tavern is hooking us up with a discount. Since you work at another SF office, did you want to come along?
I have never worked as an employee for State Farm and would not lower my self to ever work for them. I worked for them as a contract adjuster and saw their arbitrary ways. I have yet to post anything untrue about State Farm. It is sad that the employees of State Farm are the only ones to stand up for them as others know the truth. As I have said before, the TRULY sad part is the suffering State Farm has put their insureds through in Mississippi.
I am sorry you employees cannot see the truth for your paycheck.
\”It is sad that the employees of State Farm are the only ones to stand up for them as others know the truth.\” -Joe
Any time someone posts something you don\’t agree with you assume they work for State Farm.
I think anyone who disagrees with me is a sorry excuse for a human being. They should all be sent to a deserted island far, far away. Hmm, that sounds a bit ridiculous, don\’t you think? It kind of sounds like Joe too. :)
Are you going to answer my question Joe?
I will post it again…
What are some names of the MULTIPLE companies that paid without being forced?
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Answers to questions
It seems that if the only thing left of a house is the slab, there must have been some wind. Is that correct?
The wind came first and yes carriers with honesty and integrity make an effort to pay for the reasonably expected damges prior to the strom surge, shingles, sheathing, siding, soffit and fascia, ceilings etc, all of which are usually above the surge line.
And, if there was wind and water damage, is the wind carrier allowed to deny the entire claim?
Sttae Farm and Nationwide attempt to do this with a concurrent causation clause in their policy, which has been struck down and again not even attempted by reputable carriers.
Does the same apply to the flood carrier? Finally, didn\’t most of the \”flood\” carriers go ahead and pay for the damage? And if so, how did they determine how much to pay?
For real property, there is only one carrier, NFIP, the federal governement. There are private carriers for auto and mobile home flood. The NFIP did in fact pay their damages. They use the height of flood waters to determine the break between wind and flood payments.
This is the short version. hope it helps.
Where did you read or hear that Ed Rust sent out a memo to \”defend State Farm to the death\”? A memo was sent out, but it said nothing of what you have claimed.
In short, it advised everyone to take care of anyone that was displaced, even if they were not your customer.
Joe,
Thanks for the info. It helps out a lot. It sounds like maybe that causation clause needs to go, or at least make it so the flood carrier and the wind carrier can negotiate they relative burden.
As an underwriter, I know that if I\’m required to put a form on a policy that would effectively remove coverage for the main exposure, I simply do not provide a quote. So, if there was an excavation contractor, and I had to put on an earth movement exclusion, I wouldn\’t quote. It seems unfair to provide coverage (and collect premium) for essentially no coverage. If this clause is used to exclude all damage if only 1% of the damage was caused by an excluded cause of loss, the DOI should really look into not approving it. This seems extremely unfair to insureds.
It was your buddy, agent Dale (if he really is an agent; I really find it hard to believe someone as limited as him is an agent), who said Rust sent out the memo. Glad to see you finally admit you are a SF employee and your opinion is jaded.
Jeff:
There is supposed to be a single adjuster program in place wherein one adjuster handles both the wind and flood damage on each individual claim. However, with that being said, the federal governement is very political and it is not uncommon for a squabble to arise over who is to handle both files. As independent adjusters are paid per file, on a schedule, they are very reluctant to give away an assignment.
I\’m an agent, but I wouldn\’t say my view is necessarily jaded. I\’m not an agent in the south, & I can\’t say I\’m happy with the way everything has been handled. That being said, I don\’t think State Farm deserves the bashing it has taken on this site.
As for what my \”buddy\” Dale said, he never said anything about Ed Rust asking us to defend State Farm to the death. I believe it was you who put those words in his mouth.
As for jaded views, I don\’t think we have to look any further than yours.
Mark – adjusterjoe get that memo right before he was **** canned from SF. He he hates SF with a passion and sits around and spews venom, lies and half-truths about SF.
You finally admitted you work for State Farm? I assume Joe means this post:
\”Where did you read or hear that Ed Rust sent out a memo to \”defend State Farm to the death\”? A memo was sent out, but it said nothing of what you have claimed.
In short, it advised everyone to take care of anyone that was displaced, even if they were not your customer.\”
Hmm, it doesn\’t sound to me as if that is what you did at all. ;)
It\’s nice when Joe tries to manipulate what people say (unsuccessfully) to try and prove his point.
I\’m still not saying State Farm didn\’t do anything wrong (and I never did)… but how about if everyone stops jumping to conclusions without all the facts? Oh right, because that won\’t ever happen. We decide what happened and then pick and choose evidence based on our own conclusions. Just because we *think* something happened a certain way doesn\’t make it so.
Anyhow, of course Joe never answered *my* question. He seems to do that when he knows he is wrong.
P.S. Mark, tonight some of the gang and I are going for beers. Since we work for State Farm, the local tavern is hooking us up with a discount. Since you work at another SF office, did you want to come along?
I have never worked as an employee for State Farm and would not lower my self to ever work for them. I worked for them as a contract adjuster and saw their arbitrary ways. I have yet to post anything untrue about State Farm. It is sad that the employees of State Farm are the only ones to stand up for them as others know the truth. As I have said before, the TRULY sad part is the suffering State Farm has put their insureds through in Mississippi.
I am sorry you employees cannot see the truth for your paycheck.
\”It is sad that the employees of State Farm are the only ones to stand up for them as others know the truth.\” -Joe
Any time someone posts something you don\’t agree with you assume they work for State Farm.
I think anyone who disagrees with me is a sorry excuse for a human being. They should all be sent to a deserted island far, far away. Hmm, that sounds a bit ridiculous, don\’t you think? It kind of sounds like Joe too. :)
Are you going to answer my question Joe?
I will post it again…
What are some names of the MULTIPLE companies that paid without being forced?