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Posted on 9/29/21 at 3:36 pm to Tomatocantender
quote:
I'm arguing structural integrity you dense nimwit. You know, a point you just conceded like 2 posts up. Before I bounced into this thread you idiots were gang-banging OP's poor little arse, but now Tomato has restored order with bringing up STRUCTURAL INTEGRITY.
Everyone knows shite until they don't know shite. You're welcome OP. Now get to work on the other advice I gave you.
It’s comical that you think you’re correct.
Posted on 9/29/21 at 4:07 pm to Tomatocantender
quote:
And every single HO-3 and HO-5 policy is Louisiana that has a windstorm exclusion only applies to attached or exterior property like solar panels, antennas etc. It has absolutely nothing to do with structural integrity, caving in, interior etc from a named hurricane Act of God occurrence.
You do realize that any admitted carrier writing fire/property & casualty in Louisiana has to get their base forms (base contract, endorsement, rider, application et al) approved prior to use? And even if the compliance examiner missed something United Property & Casualty tried to slip by, then Donelon has the vested power to force a carrier to pay for fair & equitable claims as if that policy language did not have ambiguous language to begin with?
My policy says you’re wrong.
Posted on 9/29/21 at 4:25 pm to BamaCoaster
Flood insurance has to be from rising water. What kind of agent are you?
Posted on 9/29/21 at 4:25 pm to slackster
Very interesting topic fwiw.
I’m still trying to figure out how OP saw the issue and video’d it and still had enough water damage to hit his hurricane deductible?
Moving on from that though, one of the reasons this is in there is due to fraud. You can’t just pour water on your floors and have then replaced due to a hurricane passsing over (not suggesting OP did) nor can you carry your couch outside and blame damage to it when there’s no hole in your house.
I’m still trying to figure out how OP saw the issue and video’d it and still had enough water damage to hit his hurricane deductible?
Moving on from that though, one of the reasons this is in there is due to fraud. You can’t just pour water on your floors and have then replaced due to a hurricane passsing over (not suggesting OP did) nor can you carry your couch outside and blame damage to it when there’s no hole in your house.
Posted on 9/29/21 at 4:44 pm to The Mick
quote:
Flood insurance has to be from rising water. What kind of agent are you?
He’s saying to get their quick denial as proof it wasn’t flood water.
Posted on 9/29/21 at 6:49 pm to wickowick
Wick. My point about the landscaping costs I will incur from the storm is that it’s not something I’m claiming on my insurance because it’s clearly not the dwelling and I don’t expect the insurance company to cover everything that I will need to repair from the hurricane, but I do expect them to repair my floors since that is exactly what I have the policy for. I have video of the water coming through the panels of the door and the adjuster has pictures and wrote a detailed report on the doors being beat to hell. So Chad, how big of an opening would you be ok with to say insurance would pay for it? Water is tricky. It finds the slightest cracks and wreaks havoc on interior finishes.
Posted on 9/29/21 at 7:23 pm to BengalBlood81
Slightly off topic, but did you say you have wood panel exterior doors? Is that common in new houses?
Or is it a steel door with “faux panels”/veneer? I ask because if it’s a steel door, I would think there would be obvious signs of damage from flying debris if water were actually able to penetrate the door.
Otherwise, the water might have been getting inside of the door through the top and side edges, window frame, etc. and filling up the cavities inside of the door.
Not that it necessarily matters, I’m just trying to imagine your description of water leaking through the wood panels and how that could happen.
Or is it a steel door with “faux panels”/veneer? I ask because if it’s a steel door, I would think there would be obvious signs of damage from flying debris if water were actually able to penetrate the door.
Otherwise, the water might have been getting inside of the door through the top and side edges, window frame, etc. and filling up the cavities inside of the door.
Not that it necessarily matters, I’m just trying to imagine your description of water leaking through the wood panels and how that could happen.
Posted on 9/29/21 at 7:45 pm to lostinbr
It was the craziest thing I’ve ever seen. It was like the solid wood door was bleeding with water. Apparently the door took a beating for so long the constant pressure of water seeped it’s way through the wood door.
Posted on 9/29/21 at 7:56 pm to BengalBlood81
[/url][/img] This was very early in the night so it got worse from here, but you can see it starting to pool in the grooves of the door both near the glass and down low in the wood. Clearly not running down the sides of the door, not to mention I was drying it up like a mad man at first trying to keep it from coming in. But there’s only so many towels and things you can do for hours without power.
Posted on 9/29/21 at 8:13 pm to BengalBlood81
I legit had the same problem with a driving rain at our old house. Windows or the door panels themselves weren’t sealed correctly so the door itself leaked, in addition to having water blown under the door.
ETA My doors also faced East and for A LOT of sun. My house was brand new too.
ETA My doors also faced East and for A LOT of sun. My house was brand new too.
This post was edited on 9/29/21 at 8:18 pm
Posted on 9/29/21 at 8:22 pm to BengalBlood81
something to remember about insurance is its similar to other products. typically if its cheaper, its not as good.
Posted on 9/29/21 at 8:49 pm to BengalBlood81
quote:
So Chad, how big of an opening would you be ok with to say insurance would pay for it? Water is tricky. It finds the slightest cracks and wreaks havoc on interior finishes.
Look I’m not against you. I’d argue anything possible as well and would try my best to fight and not take no.
But their point of the exclusion is that the storm has to create damage to create the openings. This example is a common case of what they are intending to exclude unfortunately and a lot of companies in LA have similar exclusions.
I have a similar type of door, makes you wonder if plywood’s got door would help anyone from avoiding this situation in future
Posted on 9/29/21 at 8:57 pm to kingbob
Why not just hire an attorney and forget having to pay the middleman?
Posted on 9/29/21 at 8:59 pm to csorre1
Bro, I have UPC and they paid up no issues here.
Posted on 9/29/21 at 9:11 pm to slackster
quote:
He’s saying to get their quick denial as proof it wasn’t flood water.
Thank you.
Btw, OP never emailed me his policy.
Posted on 9/30/21 at 6:12 am to Chad504boy
quote:
I’d argue anything possible as well and would try my best to fight and not take no.
Exactly. This has been my overall point. The fact that my house took a beating and water found it’s way in through abnormal means is why I have insurance. I never thought I would see water actually pass through the wood part of my front door. It happened and buckled some floors. Not the end of the world, but this is why I pay insurance. To fix it right would be somewhere around 4-5% of what I have my home insured for. It’s peanuts to them, but absolutely sucks to pay for out of pocket when you already pay the insurance.
Posted on 9/30/21 at 8:03 am to BengalBlood81
The insurance adjuster might have made a mistake, you need to know what the policy says to find out if you have an argument for coverage.
Posted on 9/30/21 at 8:19 am to BengalBlood81
OP I know I’ve been busting your balls but here’s a thought, I think you should be arguing your door got damaged. I think your mistake is arguing the door is fine and just the floors were damaged. Imo your door was damaged and the water went through the damaged door.
Posted on 9/30/21 at 8:45 am to wickowick
quote:
The insurance adjuster might have made a mistake
the special provisions verbiage has been posted numerous times in thread. it wasn't a random mistake.
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