UPC insurance is horrible

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Made a claim for some damaged wood floors from the storm and their response was that it was from wind driven rain coming through the door and that’s not covered. Only if a tree or other item comes through the house with the event have been covered. I

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So you chose the wrong policy and coverage and are mad at someone else about your decisions?

Found the Insurnace agent.

I pay homeowners, flood, car, health, dental and every other insurance you can probably think of and your response is I make bad decisions?

They are crooked. They will all gladly milk you of your money and then refuse to pay you what they should when something happens.

King, I appreciate the help. That’s what I will do

I have UPC. : /

I don’t have a claim but now I’m concerned. Who’s your agent?

Also, what insurance would cover that? Why would wind driven rain not be covered?

Consult with a first party attorney to challenge their denial.

Field adjuster doesn’t make any monetary decisions. They adjuster came in a few weeks which was fine. But this “wind driven rain” thing is semantics and completely crooked. My front door is solid. I have video of water coming through the wood itself. Not at the edges, but through the solid wood. Her response was that pressure driven water can do that and that’s what’s not covered. So you mean to tell me we experience a cat 4 hurricane and water pounds the door for hours creating porous holes and ways into the door and that’s not the same as a tree branch coming through the door? Are we talking circumferences of holes now? It’s insane. I paid the premium. It’s for event likes hurricanes, and I have a claim. Pay it, and let’s get my house fixed.

UPC is Demotech, and as an insurance agency principal, I don’t allow my agents to write Demotech companies.

That being said, wind driven rain is excluded on some policies, and most insureds are not aware.

Do you have flood insurance?

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So you mean to tell me we experience a cat 4 hurricane and water pounds the door for hours creating porous holes and ways into the door and that’s not the same as a tree branch coming through the door? Are we talking circumferences of holes now?

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If you want a real answer here it is.

A branch or a tree blown onto your home creating an opening for the water to enter and cause additional damages is covered. For the damage caused by the tree and the water that entered as a result.

If the water is blown into crevices, openings, ridge vents, between window panes, or anywhere else without any damage occurring to allow the water to enter, that is not covered.

The water didn’t create porous holes, as you put it, it was blown into/through them.

For your situation and for someone who has a policy that doesn’t cover wind driven rain, that’s the difference. If there is no damage that is allowing the water in it most likely will not be covered….if wind driven rain is not covered.

ETA This is assuming windstorm/hail is covered by your policy but wind driven rain is not.

Do you have a named peril policy? A named peril policy requires a storm relocated opening in the roof or walls to allow coverage for interior damages