Posted by
Message
supadave3
LSU Fan
Houston, TX
Member since Dec 2005
26114 posts

re: State Farm paying housing expense for evacuations
quote:

Insurance company said they would send someone to tarp it. They haven’t. Applied for blue roof. Haven’t come yet.



What have YOU done to stop the increasing damage to YOUR house?


Replies (0)
Replies (0)
32
blueboxer1119
LSU Fan
Baton Rouge
Member since May 2013
3951 posts
 Online 

re: State Farm paying housing expense for evacuations
frick State Farm.

They will find a way to frick everyone.


Replies (0)
Replies (0)
50
Tiger Prawn
Member since Dec 2016
18615 posts

re: State Farm paying housing expense for evacuations
You can fight it but loss of use has to be cause by damage from a covered peril. You’re going to likely run into an exclusion in your policy language similar to this. Ask your agent for a copy of the full policy, not just the declarations so you can look to see if you have a similar exclusion

quote:

D. Coverage D – Loss Of Use
The limit of liability for Coverage D is the total limit for the coverages in 1. Additional Living Expense, 2. Fair Rental Value and 3. Civil Authority Prohibits Use below.
1. Additional Living Expense
If a loss covered under Section I makes that part of the "residence premises" where you reside not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living.
Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere.


quote:

SECTION I – EXCLUSIONS
A. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.

4. Power Failure
Power Failure means the failure of power or other utility service if the failure takes place off the "residence premises". But if the failure results in a loss, from a Peril Insured Against on the "residence premises", we will pay for the loss caused by that peril.


If you qualify for FEMA disaster assistance, I saw something last week that FEMA was reimbursing up to $800 for purchase of a generator. Worth looking into


Dandaman
Army Fan
Louisiana
Member since May 2017
438 posts

re: State Farm paying housing expense for evacuations
If no damage that makes in uninhabitable, some companies are paying based on civil authority because of directive from commissioner. State Farm does not seem to be following that trend.

See this article


DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
That deals with prohibitive use due to a mandatory evacuation. That doesn’t apply to New Orleans post storm just because of a power failure.


Replies (0)
Replies (0)
01
MyRockstarComplex
The airport
Member since Nov 2009
652 posts

re: State Farm paying housing expense for evacuations
It’s been 20 years since I was in the trade, but I’m pretty sure almost every homeowners policy in Louisiana is based around a state mandated HO4 policy. There are some variations, but State Farm isn’t specifically fricking you.


LSUSkip
LSU Fan
Walker,LA
Member since Jul 2012
9200 posts

re: State Farm paying housing expense for evacuations
Other companies are doing it, but I still for the life of me can't see how he can levy a fine against SF if it is not defined that way in a policy.

State Farm has alot to lose because they are the top property insurer in the state, although they don't write anything below I12 from I55 to Mississippi.


wasteland
USA Fan
Member since Apr 2011
4549 posts

re: State Farm paying housing expense for evacuations
What a let down thread


Replies (0)
Replies (0)
00
DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
HO-3, but yes you are correct


Replies (0)
Replies (0)
10
Tiger Prawn
Member since Dec 2016
18615 posts

re: State Farm paying housing expense for evacuations
quote:

some companies are paying based on civil authority because of directive from commissioner.
Some are paying, some are probably going to challenge the commissioner’s directive in court because of how much extra money it’s going to cost them. But even if they pay based on the civil authority clause, that only stipulates up to 14 days. I’m just not sure if 14 days means they would only cover up to the first 14 days after the storm or 14 days in general. If its only the first 14 days after the storm then that time has passed.


TD SponsorTD Fan
USA
Member since 2001
Thank you for supporting our sponsors
Advertisement
DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
My understanding is it only applies to prohibitive use due to mandatory evacuation. For example, you’re forced from your home for weeks due to threat of wildfire and are under a government ordered mandatory evacuation. That happened in the Midwest and California within the last few years. I’m not sure there was even a mandatory evacuation order from most of south la


Success
Member since Sep 2015
1301 posts

re: State Farm paying housing expense for evacuations
quote:

mandatory evacuation order


Was in st Charles parish


Replies (0)
Replies (0)
10
Tiger Prawn
Member since Dec 2016
18615 posts

re: State Farm paying housing expense for evacuations
quote:

I’m not sure there was even a mandatory evacuation order from most of south la
There wasn’t. Donelon is bailing out politicians for not ordering one

Although a lot of policies I’ve seen have civil authority clauses like this, so I don’t even think a precautionary mandatory evacuation would trigger it on a lot of policies. I do know of a couple of companies that have a mandatory evacuation expense rider that can be added for additional premium.
quote:

3. CivilAuthorityProhibitsUse
If a civil authority prohibits you from use of the "residence premises" as a result of direct damage to neighboring premises by a Peril Insured Against, we cover the loss as provided in 1. Additional Living Expense and 2. Fair Rental Value above for no more than two weeks.



DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
I appreciate you quoting actual policy language. However, as already presented in this thread, people will blame their insurance companies for their own ignorance of what the policy does and does not cover.
This post was edited on 9/14 at 10:27 pm


Replies (0)
Replies (0)
21
Joehat
LSU Fan
New Orleans West
Member since Jun 2011
754 posts

re: State Farm paying housing expense for evacuations
quote:

It’s called loss of use and yes it pays out. It’s 30% of your dwelling coverage. Just like EVERY other company, the loss of use has to be due to a covered loss. Lack of power isn’t a covered loss.


Don’t listen to the insurance agents and possible defense lawyers in here, if you have a raindrop inside your house or a speck of impact mark damage, make the ale claim and make them pay it. Everyone has that for Ida. Exclusions are construed against the drafter of the policy.


DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
Why would an insurance agent not want to take care of their customers? They don’t get penalized for claims. The agent is the advocate of the policyholder.


DarkDrifter
LSU Fan
Louisiana
Member since Aug 2011
1352 posts

re: State Farm paying housing expense for evacuations
quote:

They don’t get penalized for claims.


The hell we don't..

quote:

The agent is the advocate of the policyholder.


We do what we can, but come claim time we don't have much say so after that..


DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
quote:

We do what we can, but come claim time we don't have much say so after that..


Ehh, depends how dedicated you are. Got a lot done after Hurricane Michael with some effort.

I’m an agent. I don’t get penalized for claims, especially cat claims.
This post was edited on 9/14 at 11:19 pm


DarkDrifter
LSU Fan
Louisiana
Member since Aug 2011
1352 posts

re: State Farm paying housing expense for evacuations
quote:

Ehh, depends how dedicated you are. Got a lot done after Hurricane Michael with some effort.



I've had a few instances where I was able to help a client when I felt that they were unjustly treated. But for the most part once a decision is made you're not changing the companies mind.

quote:

I’m an agent. I don’t get penalized for claims, especially cat claims.




Independent agency owner.. Correct, cat claims aren't supposed to count against you... Non-cat claims however completely different story. Hell lighthouse was pulling contracts from agents recently due to claim issues.. But there are other things that companies do to penalize agents for high claims percentages..


DCtiger1
LSU Fan
Panama City Beach
Member since Jul 2009
5668 posts

re: State Farm paying housing expense for evacuations
SF doesn’t do that. Used to have a non-cat loss ratio metric but that’s a thing of the past.


first pageprev pagePage 2 of 3next pagelast page

Back to top

logoFollow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram