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Started By
Message
re: UPC insurance is horrible
Posted on 9/28/21 at 9:44 pm to wickowick
Posted on 9/28/21 at 9:44 pm to wickowick
I understand that wind can blow rain through crevices. I’m saying the rain was coming through the solid wood panels of the door. Not around the edges. I’m also saying that the house is 2 years old, and the front door didn’t have any noticeable deficiencies prior to the storm. I’m saying that a storm of this magnitude and for a prolonged time must have impacted the door in a negative way for it to start bleeding water through it. I’m also saying that if that in fact is a policy standard for damage to occur to make an opening for water to come through, who gets to say how big of an opening would be ok in your eyes? There’s nothing in my policy that speaks to circumferences of sizes of holes.
0
Posted on 9/28/21 at 9:45 pm to BengalBlood81
quote:
Wafer this is exactly the crookedness that drives people crazy. We experienced a named storm. A storm that created millions of dollars worth of damage across south louisiana. My neighbor’s vent blew off and rain came through his roof and he’s covered. I get hosed because the same storm rain came through my door and this semantics says I’m not covered? It’s a storm. I pay insurance in case damages occur. They did, and now they want to not pay it. There’s nothing shady going on expect for them redefining what constitutes wind driven rain and how it gets into your home.
For those here who know nothing about homeowners insurance and want to ensure they don’t get hosed at claim time, just make sure your policy is a HO-3 policy and READ it when you get it.
Posted on 9/28/21 at 9:48 pm to TDsngumbo
Mine is an HO3.
Posted on 9/28/21 at 9:50 pm to TDsngumbo
Hi jack: any if you agents gere ever deal with Citizens? Farm bureau dropped us years ago after Katrina (no claims) due to location. Wrote wind/hail with citizens and never changed.
Just curious. I’m assuming they’re awful.
Just curious. I’m assuming they’re awful.
Posted on 9/28/21 at 9:50 pm to BamaCoaster
Insurance jumped the shark a long time ago. Splitting hairs on how damage occurs goes completely against the spirit of insurance. It’s as if you need a total loss just to get a “fair” payout.
Perhaps an FSA system for home/auto/flood is needed?
Perhaps an FSA system for home/auto/flood is needed?
Posted on 9/28/21 at 9:51 pm to TDsngumbo
quote:
I’ve been in insurance for 11 years and can tell you without a single doubt that even if the wind had blown the rain through the door, it should be covered under an HO-3 policy. In fact, I had literally the same exact situation during the hurricane - wind driven rain through the sides and bottom of my door caused the floor to be covered in water and it soaked into the drywall. USAA paid it and I have up to $2,500 of mold remediation coverage for it as well.
You 100% - no no - 1,000% need to fight your insurance company. Do not lie down to their denial tactics. Get a lawyer if you have to because you WILL win.
I said basically the same thing and got downvoted into oblivion..
To reiterate what you said.. READ the Damn policy fluff with your HO3 policy. If you have any questions mark them, make and appointment with your agent and ask them directly. That way when this situation rolls around you'll be prepared either way.
This post was edited on 9/28/21 at 9:56 pm
Posted on 9/28/21 at 9:52 pm to BengalBlood81
quote:
Mine is an HO3.
Then fight it to the fricking death. Y’all know I’m the first to defend insurance companies when most everyone thinks they’re being shady but in this case, an HO-3 policy should cover damage caused by your scenario. UPC is wrong and they know it. Not sure which would be cheaper - a PA or an attorney - but you need to use one of UPC doesn’t budge.
This post was edited on 9/28/21 at 9:53 pm
Posted on 9/28/21 at 9:52 pm to tiger91
quote:
Hi jack: any if you agents gere ever deal with Citizens? Farm bureau dropped us years ago after Katrina (no claims) due to location. Wrote wind/hail with citizens and never changed.
Just curious. I’m assuming they’re awful.
How close to the coast are you?
Citizens is legit the policy of last resort.
This post was edited on 9/28/21 at 9:54 pm
Posted on 9/28/21 at 9:53 pm to TDsngumbo
The assumption is that I didn’t read the policy. Not true. I did. And my trusty local insurance agent said it was the same policy he had on his house. But the point is, How many people ask for definitions and loop holes they will define at the time you need the insurance to pay a claim at the time they read over the policy, unless you are equipped with 18 different what if scenarios at the time your signing the policy, you are taking the policy at its face value.
Posted on 9/28/21 at 9:55 pm to BengalBlood81
quote:
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’ve paid my premium my house is only 2 years old and maintained perfectly. There’s a special place in hell for people in the insurance world.
I feel you, we’ve had the same insurance on one house for 16 years and have only made one claim in that time and that was Katrina very shortly after we bought the house. Supposedly the deductible that was $500 in 2005 jumped to $5000 last year not long after Laura without our or our agents knowledge. This is coming after us paying $3,500 two years ago to have a massive oak tree taken down that would have crushed the house if it feel just for the adjuster to say it would have been better if the tree that’s not there anymore would have fell on the house.
Posted on 9/28/21 at 9:55 pm to tiger91
quote:
any if you agents gere ever deal with Citizens? Farm bureau dropped us years ago after Katrina (no claims) due to location. Wrote wind/hail with citizens and never changed.
Just curious. I’m assuming they’re awful.
I don’t have much claims experience with them but they are the states insurer of last resort. Typically their policies are dwelling policies which are named peril coverages (very limited coverage - if it’s not listed in your policy, there’s no coverage). If that’s all you can get then so be it but 99% of other companies will be better.
Posted on 9/28/21 at 9:58 pm to DarkDrifter
quote:
with your agent
They are salesmen. Useless.
This post was edited on 9/28/21 at 10:01 pm
Posted on 9/28/21 at 9:58 pm to TDsngumbo
quote:
You can’t really be suggesting flood insurance would cover his damages in this situation.
No. But, if he has flood, file the claim, get the denial, show that to UPC, get paid.
Also, to OP, two things.
1. Get your agent involved.
2. If you want, email me your policy and I can take a look. If you have an HO3, you should be covered. However, UPC and other shady carriers have been known to input exclusions in policies.
Reginald@coastal Alabama insurance dot com
Posted on 9/28/21 at 10:04 pm to Bmath
quote:
They are salesmen
A poor agent is just a salesman.. A good agent is so much more..
Posted on 9/28/21 at 10:17 pm to BengalBlood81
quote:
wind driven rain coming through the door
Is this what actually happened?
Posted on 9/28/21 at 10:22 pm to TDsngumbo
There is a LA endorsement on the policy that excludes interior damage without an opening from a covered peril. It’s unfortunate but is the case. Maybe this is why they were do much cheaper than everyone ride when you signed on. Next time, tell your agent to do more research.
Posted on 9/28/21 at 10:22 pm to BamaCoaster
quote:
However, UPC and other shady carriers have been known to input exclusions in policies.
Calling UPC shady?
Posted on 9/28/21 at 10:26 pm to BengalBlood81
Meeting with my agent this week. Thanks
Posted on 9/28/21 at 10:27 pm to Chad504boy
quote:
Calling UPC shady?
I am if they have a wind driven rain endorsement...and, my personal belief is that I try not to rep Demotech carriers. Literally no agent I speak with agrees with me, but it’s my professional opinion. I do rep ONE Demotech carrier for HO6 in AL cause I literally have no other market.
Posted on 9/28/21 at 10:30 pm to BamaCoaster
quote:
my personal belief is that I try not to rep Demotech carriers.
This is a very tiring line. Beggars can’t be fricking choosers in different insurance landscapes of different states.
quote:
cause I literally have no other market.
Ahh the hypocrisy shows
This post was edited on 9/28/21 at 10:31 pm
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