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Louisiana home insurance question
Posted on 7/1/20 at 11:40 am
Posted on 7/1/20 at 11:40 am
I moved here about a year ago and pretty much duplicated the coverage I had in Texas. I’m trying to update some coverage and my agent tells me I can either have tropical storm coverage or wind storm coverage, not both. Apparently in Louisiana you can be covered by a named storm or a tornado, not both? Are they confused or am I?
Posted on 7/1/20 at 11:55 am to Ramblin Wreck
You’re confused. You can have a wind/hail deductible and then a separate named storm or hurricane deductible at the same time. What company are you referencing?
Posted on 7/1/20 at 12:00 pm to Ramblin Wreck
Find a new agent. Either they don't know what they are talking about, or they can't explain coverages. Either way I would look elsewhere.
Posted on 7/1/20 at 12:12 pm to Ramblin Wreck
The bigger problem that nobody talks about is the collision between the big insurance companies and the Weather Channel to name every thing under the sun. This allows them to charge named storm deductibles on what used to be a summer thunderstorm.
Posted on 7/1/20 at 12:30 pm to Ramblin Wreck
3 storm deductible options
Wind/hail
Named storm or
Hurricane
Wind hail means all wind/hail related claims will fall under that deductible (which is usually higher but doesn’t have to be) while all other claims fall under your aop deductible
Named storm means all claims for tropical storms and hurricanes would fall under that higher deductible while normal wind/hail events would be covered under your AOP deductible with everything else
Hurricane means only hurricanes fall under that higher deductible, normal wind/hail events and tropical storms fall under your aop deductible
Aop = all other perils
Wind/hail
Named storm or
Hurricane
Wind hail means all wind/hail related claims will fall under that deductible (which is usually higher but doesn’t have to be) while all other claims fall under your aop deductible
Named storm means all claims for tropical storms and hurricanes would fall under that higher deductible while normal wind/hail events would be covered under your AOP deductible with everything else
Hurricane means only hurricanes fall under that higher deductible, normal wind/hail events and tropical storms fall under your aop deductible
Aop = all other perils
This post was edited on 7/1/20 at 12:37 pm
Posted on 7/1/20 at 12:32 pm to ThePoo
Thanks, that sounds more reasonable.
Posted on 7/1/20 at 12:33 pm to Ramblin Wreck
The agent doesn't know what they're talking about or they suck at explaining it to you.
Any homeowner policy that doesn't specifically EXCLUDE wind/hail coverage will cover you from any wind damage whether its a tornado, hurricane, tropical storm, or any random thunderstorm.
The difference comes in your deductible which will depend on your insurance carrier. You may either have a wind/hail deductible, named storm deductible, or hurricane deductible. Which of those 3 you have will determine when the higher deductible comes into play. Although not every carrier requires the wind/named storm/hurricane deductible to be higher than your regular all other peril deductible
Wind/hail deductible on your policy means that deductible applies to all wind or hail damage.
Named storm deductible means that deductible only applies if we're put under a tropical storm or hurricane warning but any other wind/hail would fall to your "all other perils" or AOP deductible.
Hurricane deductible on your policy means it has to be a hurricane warning for the area for that deductible to apply. Any other wind damage would go to your AOP deductible.
You're covered for all of them, the deductibles just work differently
Any homeowner policy that doesn't specifically EXCLUDE wind/hail coverage will cover you from any wind damage whether its a tornado, hurricane, tropical storm, or any random thunderstorm.
The difference comes in your deductible which will depend on your insurance carrier. You may either have a wind/hail deductible, named storm deductible, or hurricane deductible. Which of those 3 you have will determine when the higher deductible comes into play. Although not every carrier requires the wind/named storm/hurricane deductible to be higher than your regular all other peril deductible
Wind/hail deductible on your policy means that deductible applies to all wind or hail damage.
Named storm deductible means that deductible only applies if we're put under a tropical storm or hurricane warning but any other wind/hail would fall to your "all other perils" or AOP deductible.
Hurricane deductible on your policy means it has to be a hurricane warning for the area for that deductible to apply. Any other wind damage would go to your AOP deductible.
You're covered for all of them, the deductibles just work differently
This post was edited on 7/1/20 at 12:35 pm
Posted on 7/1/20 at 12:35 pm to Ramblin Wreck
You are confused, but the agent did a very poor job of explaining the difference between the two coverages.
Tiger prawn explanation is spot on...there are different types of deductibles.
One type of coverage will cover named storms at a higher deductible, another will cover all wind and hail events at a higher deductible. there is yet another type of policy that will cover all other perils but wind and place the windstorm and hail coverage with a second party.
Tiger prawn explanation is spot on...there are different types of deductibles.
One type of coverage will cover named storms at a higher deductible, another will cover all wind and hail events at a higher deductible. there is yet another type of policy that will cover all other perils but wind and place the windstorm and hail coverage with a second party.
This post was edited on 7/1/20 at 12:37 pm
Posted on 7/1/20 at 12:36 pm to OysterPoBoy
quote:
collision
Collusion
Posted on 7/1/20 at 12:40 pm to OysterPoBoy
quote:
collision
Have to pay for that too.
Posted on 7/1/20 at 2:04 pm to jrobic4
The person doing the quote was confused. She wasn’t sure and had to confirm I would be covered for both. I didn’t see how you could get a mortgage without coverage for both. Thought that was weird, but hey....I did move to Louisiana. You never know. LOL
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