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Message
re: Delta Moves On...Cleanup Begins
Posted on 10/7/20 at 4:20 pm to AmosMosesAndTwins
Posted on 10/7/20 at 4:20 pm to AmosMosesAndTwins
quote:
Apparently state farm will require a separate deductible payment for Laura and Delta. Talk about some bullshite.
Well it is 2 separate instances. Doesnt seem crazy
1
Posted on 10/7/20 at 4:21 pm to BallsEleven
quote:
Says who?
Making its rounds on BookFace. One was my agent.
Posted on 10/7/20 at 4:21 pm to Notasnitch
quote:
She looks like she's in heat
I thought you were
quote:
Notasnitch
Posted on 10/7/20 at 4:21 pm to lsu777
Not sure yet. My wife is likely getting locked in memorial so I’ll be alone with our 2 month old. Depends the route it takes if I leave or not
Posted on 10/7/20 at 4:21 pm to BallsEleven
Most home insurance carriers have a per occurrence deductible.
Posted on 10/7/20 at 4:21 pm to iliveinabox
quote:
Dabigfella needs to post so somebody can score a blackout
Posted on 10/7/20 at 4:21 pm to tiger91
It's a per named storm deductible. The days when it was called a "franchise" and only one deductible applied per year have long gone.
Posted on 10/7/20 at 4:22 pm to rt3
quote:
thought you were
Just making an observation about the female.
Posted on 10/7/20 at 4:22 pm to tiger91
quote:
Amos I thought it was one per year?
As did I.
quote:
And how is your facility coming along?
Reopen in November.
Posted on 10/7/20 at 4:22 pm to slackster
quote:
For example, assuming you were in New Orleans, none of those storms produced hurricane force sustained winds in New Orleans.
Jesus H...you're so annoying.
Posted on 10/7/20 at 4:25 pm to RummelTiger
NHC now going with GFS after aligning with HMON last 3 updates. I hope GFS is right about a dying CAT 2.
Posted on 10/7/20 at 4:26 pm to RummelTiger
quote:
Jesus H...you're so annoying
Posted on 10/7/20 at 4:27 pm to AmosMosesAndTwins
From my agent at State Farm...all claims have a deductible applied but only one hurricane deductible per season. Hope this helps.
Posted on 10/7/20 at 4:28 pm to RummelTiger
quote:
Jesus H...you're so annoying.
Please enforce his ban bet.
Posted on 10/7/20 at 4:28 pm to AmosMosesAndTwins
quote:
Amos I thought it was one per year?
As did I.
quote:
And how is your facility coming along?
Reopen in November.
We've filed one claim ever and it was after Lili in 2002. And yeah for the November date ... I'm STILL not allowed in. Sigh.
Posted on 10/7/20 at 4:29 pm to AmosMosesAndTwins
Hurricane Delta:
The newest storm advisory was not the news I wanted to hear, but nevertheless, here we are.
***DEDUCTIBLE: Hurricane deductibles with State Farm are seasonal. What does that mean? When more than one hurricane occurs within the same calendar year, a deductible amount equal to the remaining amount of any unused Hurricane deductible or the All Peril will apply, whichever is greater. So basically, if you met your hurricane deductible after Hurricane Laura, your smaller all peril deductible will apply to damage from Hurricane Delta. If you didn't meet your deductible after Hurricane Laura, your deductible for damages from Hurricane Delta will be the balance of your hurricane deductible or your all peril deductible, whichever is greater. Confused, that's ok...call us to ask questions!***
Evacuation:
--If there is a mandatory evacuation, keep track of all expenses incurred during your evacuation. Keep gas receipts, hotel receipts, food receipts, etc. These will be included in your new claim.
New Damage:
--If your property sustains additional damage from Hurricane Delta, a new claim will be filed. Keep all pictures from damage after Hurricane Laura and then take pictures of new damages. New storms mean new claims. All claims have a deductible applied, but remember, only ONE hurricane deductible per season.
The newest storm advisory was not the news I wanted to hear, but nevertheless, here we are.
***DEDUCTIBLE: Hurricane deductibles with State Farm are seasonal. What does that mean? When more than one hurricane occurs within the same calendar year, a deductible amount equal to the remaining amount of any unused Hurricane deductible or the All Peril will apply, whichever is greater. So basically, if you met your hurricane deductible after Hurricane Laura, your smaller all peril deductible will apply to damage from Hurricane Delta. If you didn't meet your deductible after Hurricane Laura, your deductible for damages from Hurricane Delta will be the balance of your hurricane deductible or your all peril deductible, whichever is greater. Confused, that's ok...call us to ask questions!***
Evacuation:
--If there is a mandatory evacuation, keep track of all expenses incurred during your evacuation. Keep gas receipts, hotel receipts, food receipts, etc. These will be included in your new claim.
New Damage:
--If your property sustains additional damage from Hurricane Delta, a new claim will be filed. Keep all pictures from damage after Hurricane Laura and then take pictures of new damages. New storms mean new claims. All claims have a deductible applied, but remember, only ONE hurricane deductible per season.
Posted on 10/7/20 at 4:29 pm to AmosMosesAndTwins
quote:
Apparently state farm will require a separate deductible payment for Laura and Delta. Talk about some bullshite.
I have dogged State Farm here many times but I have to correct this misinformation right here. State Farm’s hurricane deductible is a hurricane DURATION deductible. That means that if you have claims from more than one hurricane in the same season, your entire hurricane deductible is applied once. So if someone exhausted their hurricane deductible in Laura and has another claim from Delta, 100% of their claim is paid. No deductible. If a portion of the hurricane deductible is applied to a claim from Laura, then the remaining portion is applied to the claim from Delta.
It’s one of the few positives about State Farm.
This post was edited on 10/7/20 at 4:31 pm
Posted on 10/7/20 at 4:30 pm to SwampBooty
My homeowners policy has a 2% “wind and hail” deductible, so I’d assume I’d 2 storms hit id have 2 deductibles. I’m with Farm Bureau
Posted on 10/7/20 at 4:30 pm to SwampBooty
quote:
From my agent at State Farm...all claims have a deductible applied but only one hurricane deductible per season. Hope this helps.
Yes, just talked to mine as well.
You just have to meet the full deductible.
If you have a $5k deductible but only had $4k from Laura and Delta did another $2k, you would have to pay $1k before state farm pays up.
It isn't another full deductible.
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