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Started By
Message
re: Hurricane Deductibles
Posted on 9/4/21 at 9:19 am to RealityTiger
Posted on 9/4/21 at 9:19 am to RealityTiger
$1000 named storm here. Had adjuster came out yesterday already.
- Home is appraised over $750k
- Home is appraised over $750k
This post was edited on 9/4/21 at 9:21 am
1
Posted on 9/4/21 at 9:24 am to Odinson
quote:
Home is appraised over $750k
Has no relation to your insurance
Posted on 9/4/21 at 9:25 am to LSUEEAlum
SageSure is who I went through for a roof last year. First they tried to deny damage, asked to send a new person out. They approved right after that. Think that’s just their way of trying to get some homeowners to go ahead and buy themselves, I get it. Roof replaced for 1% deductible. I would rate them easy to deal with after that experience.
Posted on 9/4/21 at 9:35 am to Bucktail1
quote:
There is a zero chance you have a $1000 hurricane deductible in the state of LA.
Since there is 0 chance, do I get good odds on a wager?
I'll take any odds BTW.
Posted on 9/4/21 at 9:35 am to Kay
Safeco here. 1% deductible. I have replacement coverage. I had about 25 shingles blown off a 17 year old roof and they paid for a new roof with no hassle at all.
Posted on 9/4/21 at 10:13 am to RealityTiger
you chose the high deductible , quit complaining
Posted on 9/4/21 at 10:22 am to Trevaylin
quote:
you chose the high deductible , quit complaining
I don’t understand in the insurance realm why people choose a deductible that they don’t then save and hold in some readily available account.
Posted on 9/4/21 at 10:24 am to RealityTiger
Insurance industry in LA lost its arse BAD after Katrina. So they got the lobby together and sucked off enough legislators to pass the bullshite deductible structure and limits so the game would be fixed in their favor going forward. Deductibles can be flat or %age of appraised value. It is up to homeowner to shop market for favorable or preferred package whether high deductible low premium, low deductible high premium, or something in the middle. There is namestorm deductible and "AOP" (all other perils) deductible and the amounts can be manipulated to the preferences of the homeowner.
Anyone in here insisting that there is no namestorm flat rate deductible or no 1% deductible does not know what they are talking about and should stop spreading disinformation.
Anyone in here insisting that there is no namestorm flat rate deductible or no 1% deductible does not know what they are talking about and should stop spreading disinformation.
Posted on 9/4/21 at 10:26 am to stlslick
State Farn
How they continue to have the numbers of customers is beyond me.
This. Plus, they treat their insureds like poo poo. Move on. Better rates with more courteous reps out there.
How they continue to have the numbers of customers is beyond me.
This. Plus, they treat their insureds like poo poo. Move on. Better rates with more courteous reps out there.
Posted on 9/4/21 at 10:29 am to Kay
quote:
First they tried to deny damage, asked to send a new person out. They approved right after that. Think that’s just their way of trying to get some homeowners to go ahead and buy themselves, I get it.
Catastrophic adjusters are generally third party and have little to do with carrier. Vast majority are inexperienced. We always recommend getting a licensed contractor to write up an estimate as well.
Posted on 9/4/21 at 10:44 am to RealityTiger
I have UPC and my deductible is $1000.
Posted on 9/4/21 at 10:44 am to DCtiger1
quote:
Has no relation to your insurance
It is if my deductible was a percentage of home vs flat $1000.
Posted on 9/4/21 at 3:07 pm to Odinson
No it doesn’t bud. Replacement cost has nothing to do with a750k appraised value. That shows you don’t know how insurance works.
Posted on 9/4/21 at 3:11 pm to Ingeniero
SageSure here too. Mine is 2% as well, and it’s labeled clear as day in the dec page I get every year. They even math it out for you
Posted on 9/4/21 at 3:13 pm to Weekend Warrior79
quote:
Mine is 2% as well, and it’s labeled clear as day in the dec page I get every year. They even math it out for you
Never mind that it’s not their fault they agreed to that contract with that deductible
Posted on 9/4/21 at 3:16 pm to browl
quote:
or %age of appraised value.
No, it’s estimated replacement cost. Big difference.
Posted on 9/4/21 at 3:16 pm to RealityTiger
State Farm is HORRIBLE. Allstate is right behind them.
Posted on 9/4/21 at 4:59 pm to stlslick
quote:
State farm is expensive, and like to jack shite up, because they can. They have been fined 2 times by feds for f'in their customers over. How they continue to have the numbers of customers is beyond me.
And like a good raper, State Farm is there.
Posted on 9/4/21 at 5:06 pm to RealityTiger
Cheaper premiums come with higher deductibles
Posted on 9/4/21 at 5:38 pm to RealityTiger
AllState - 2% tropical cyclone deductible
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