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Started By
Message
re: Ins. has to pay for evacuation- Donelon
Posted on 9/10/21 at 6:58 am to tigerinthebueche
Posted on 9/10/21 at 6:58 am to tigerinthebueche
quote:
But should the incompetence of a government official cause the insured- who bought and paid for that coverage- to be denied their claim?
Yes, per their contract.
Donelon is arguing that because government failed, now government is going to re-write contractual provisions ad hoc.
Also, this completely screws over insureds who did not evacuate because they were following their policy. It's created instability and authoritarianism (which will lead to higher insurance rates) simply to protect stupid politicians.
quote:
The policyholder isn’t getting anything extra (that I know of).
Evac benefits for areas that didn't have evacs declared are extra benefits by definition.
1
Posted on 9/10/21 at 6:59 am to tigerinthebueche
quote:
But I see this as the insurers trying to deny coverage that was bought and paid for in good faith.
The coverage is for mandatory evac areas.
When Cantrell refused to do this my initial response (on this board, you can look it up) was that she screwed over her constituents' loss of use claims.
Posted on 9/10/21 at 7:01 am to andouille
I work in insurance and I don’t agree with this; this isn’t the purpose of insurance. But Donelon is a POS, so no one should be surprised by this.
Posted on 9/10/21 at 7:18 am to ibldprplgld
quote:
I work in insurance
quote:
But Donelon is a POS
Posted on 9/10/21 at 7:26 am to MsState of mind
quote:
everybody wants a fricking hand out
How is this particularly a handout If you bought and paid for the coverage? You’d be OK with a claim being denied because a politician failed to act responsibly?
This isn’t FEMA covering the costs. It’s not a government subsidy.
And the insurance companies are going to raise rates, or try to pull out, or assess every MFr in the state, regardless. Just like they did after Katrina. I have no sympathy for the insurance companies. They may not be “all crooks”. But they’ve done nothing to endear themselves to the masses with their penny pinching and weaseling after
Catastrophic events.
Posted on 9/10/21 at 7:29 am to tigerinthebueche
quote:
Unless it happened to you. Then you’d be good with it
It did happen to us and last year they didn't pay for this unless it was specifically in your policy. This is a new change LA is trying to enforce. All it does is raise everyone's rates because a few people don't have emergency funds.
Posted on 9/10/21 at 7:31 am to SlowFlowPro
quote:
The coverage is for mandatory evac areas.
When Cantrell refused to do this my initial response (on this board, you can look it up) was that she screwed over her constituents' loss of use claims.
Trust me Slow, I get it. But The commissioner is simply acknowledging the frick up and frick over in a subtle way and trying to (IMO) get the policy holders covered for that which they paid. Sorry he’s taking the lawyers out of the game, but he’s essentially doing what the policy holders would pay lawyers like you to do.
Well maybe not you, but you get my point.
Posted on 9/10/21 at 7:37 am to andouille
So insurance has to cover something that isn't in your policy? interesting
and you wonder why rates are so high
and you wonder why rates are so high
Posted on 9/10/21 at 7:39 am to tigerinthebueche
quote:
But The commissioner is simply acknowledging the frick up
But the insurance companies didn't frick up. Why are they being left with the bill? It's not rational.
quote:
Sorry he’s taking the lawyers out of the game, but he’s essentially doing what the policy holders would pay lawyers like you to do.
A bunch of other lawyers are about to get paid fighting this likely unconstitutional, ad hoc policymaking.
Posted on 9/10/21 at 7:47 am to TDTOM
quote:
Pay for evacuations, pay for generators, pay for chainsaws…..ridiculous.
I feel like the Lake Charles people got hosed last year. Power took way longer to come back and I don't remember them doing anything like this.
Posted on 9/10/21 at 8:13 am to Areddishfish
BTW, no deductible can apply and cannot go on your loss record.
Posted on 9/10/21 at 8:14 am to SlowFlowPro
quote:
insureds who did not evacuate because they were following their policy.
Not one single person who did not evacuate did so because of their insurance policy. Not one.
Posted on 9/10/21 at 8:20 am to stout
quote:
It did happen to us and last year they didn't pay for this unless it was specifically in your policy
There were mandatory evacuations for Laura.
Posted on 9/10/21 at 8:21 am to SlowFlowPro
quote:
bunch of other lawyers are about to get paid fighting this likely unconstitutional, ad hoc policymaking.
True. Good point.
Posted on 9/10/21 at 8:23 am to SlowFlowPro
quote:
But the insurance companies didn't frick up. Why are they being left with the bill?
Because they insured against a risk, and took peoples money hand over fist for it, that did happen but for the incompetence of the politicians.
Posted on 9/10/21 at 8:25 am to SlowFlowPro
quote:
Oh my god this state bending over backwards for the Nola area once again.
guess you have not gotten down to Lafourche and to Terrebonne parishes.
From Mr. Cassidy's mouth,"...25-35% of homes are uninhabitable. About 225K people."
This is not a NO problem.....this time.
Posted on 9/10/21 at 8:26 am to SlowFlowPro
quote:
It's not a technicality. It's a failure of government.
it is not the job of government to take care of you. nor to tell you when you should evacuate. YOU need to take the proper precautions, and protect your family. If you cannot do that...then you have another set of problems.
Posted on 9/10/21 at 8:27 am to BallsEleven
quote:
He is bailing out the politicians who made a dumbass decisio
100% this. All of our anger should be focused on the pathetic excuse for public servants currently in office. All this does is give them cover.
Posted on 9/10/21 at 8:28 am to Screaming Viking
quote:
it is not the job of government to take care of you.
No shite. But the government failed to issue a mandatory evacuation order because they’re pathetic wastes. That has important legal implications.
A Cat 5 hurricane was barreling down on a direct hit to the city and the mayor said maybe we should just move kickoff up a couple hours.
They shouldn’t pay for a thing and we should all learn a lesson.
Instead they’ll pay for it all and we’ll learn nothing. We learned nothing in 2005 and we learned nothing now. We’re pathetic.
I’m the Dumbo.
This post was edited on 9/10/21 at 8:30 am
Posted on 9/10/21 at 8:31 am to Screaming Viking
quote:
it is not the job of government to take care of you. nor to tell you when you should evacuate. YOU need to take the proper precautions, and protect your family. If you cannot do that...then you have another set of problems.
Yeah, that’s not the issue here.
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