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Posted on 9/29/21 at 5:38 am to BengalBlood81
UPC did not get a good reputation in Lake Charles so I’d be careful.
Posted on 9/29/21 at 5:43 am to BengalBlood81
Tell em it's from Bubba riding his four wheel drive up and down the street causing a miniature Tsunami every time he passes.
Posted on 9/29/21 at 6:47 am to kingbob
Just curious how that works out. How do you get made whole AND the attorneys get paid their percentages? Or do you just get 50% of your costs?
Posted on 9/29/21 at 7:25 am to DarkDrifter
We’re south of Abbeville — maybe 20 miles or so from the Bay. Farm bureau has had other choices at times but then they pull out of the area. Thank goodness we’ve never needed the coverage. Yet.
It’s wind/hail only; FB coverage for fire/theft type.
It’s wind/hail only; FB coverage for fire/theft type.
This post was edited on 9/29/21 at 7:29 am
Posted on 9/29/21 at 7:29 am 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
Were you home the whole time? You said you have video of it? If you video’d it happen, why didn’t you put down towels and something on the door to help impede the rain?
Posted on 9/29/21 at 7:47 am to BengalBlood81
quote:
Mine is an HO3
this is good but you need to read your policy and make sure the following hasnt been inserted
quote:
There is a LA endorsement on the policy that excludes interior damage without an opening from a covered peril. .
if it is in there...you are fricked.
This is prolly the exception where the insurance company is actually being shady.
in general most that come on here scream about insurance being a scam etc and they are full of shite and do not kno whow to read. Many times they are complaining about the storm deductable when they chose to have the 10% deductable so the monthly premium was lower.......guess what, you gambled and lost, period. Thats like people bitching about the fence not being covered when its in black and white in the damn policy.
Everything is in the policy, just have to read it.
and good agents are anything but just salesman. they are your advocate and will fight for you if you are correct. They push the claim along and should be there to give you advice on the specific coverage you need etc.
but an insurance company isnt just going to pay to pay.
Posted on 9/29/21 at 7:57 am to NorCali
If you sue them and win in court, the bad faith provisions award attorneys fees. If they settle, the attorney is paid a contingency out of the settlement.
Posted on 9/29/21 at 8:03 am to csorre1
quote:
It's funny because I have several friends with UPC who are singing their praises. We have them and the field adjuster was out 3 days after we made a claim
I have UPC as well and recently made my first claim with them and it was taken care of quite quickly.
Lightning struck a tree in my yard, then it traveled around my property via my buried dog fence. It came into the transmitter and blew it to smithereens, damaging the wall, burning up an outlet and then frying several pieces of equipment in my house. They sent out a 3rd party Lightning claim adjuster and they gave me more than I expected for my claim. I was pleasantly surprised by that.
In the end, I think it will all depend on your agent. I have a good relationship with mine, as we have been using him for at least 30 years for various insurance needs and he has always treated us well. He sells products from multiple insurance companies and any problem we have ever had he has taken care of us.
This post was edited on 9/29/21 at 8:04 am
Posted on 9/29/21 at 8:12 am to BengalBlood81
quote:
Field adjuster doesn’t make any monetary decisions. They adjuster came in a few weeks which was fine. But this “wind driven rain” thing is semantics and completely crooked. My front door is solid. I have video of water coming through the wood itself. Not at the edges, but through the solid wood. Her response was that pressure driven water can do that and that’s what’s not covered. So you mean to tell me we experience a cat 4 hurricane and water pounds the door for hours creating porous holes and ways into the door and that’s not the same as a tree branch coming through the door? Are we talking circumferences of holes now? It’s insane. I paid the premium. It’s for event likes hurricanes, and I have a claim. Pay it, and let’s get my house fixed
Copy n paste exactly what you just said above to a complaint with La. Dept of Insurance. You file it online on the 1st page of ldi dot la dot gov
At the very minimum, you get to "build your file" against them as they have to formally reply to the LDI examiner who then shares the entire closed file with you. I would also cite La. R.S. 22:1964 Unfair Claims Settlement Practices which is usually the statute at the LDI that gets insurance carriers nervous as a long tailed cat in a room full of rocking chairs. Do this now and keep us posted. We're all going through this is similar ways.
Posted on 9/29/21 at 8:16 am to baldona
We did. Towels on the exterior and interior of the doors. It’s was hours of rain pounding the exact direct my doors face. In a Jeff Goldblum voice, uh water, simply, found a way in.
Posted on 9/29/21 at 8:27 am to BengalBlood81
quote:
Well if the storm didn’t create the opening then what the hell did? And how can the insurance company say it didn’t?
Sounds like you could have broken your front door window, i mean the storm broke the window, and then you would be covered.?
Posted on 9/29/21 at 8:29 am to lsu777
I think it’s a differing opinion of what definitions are. You act like people can’t read and don’t know what they are buying and I disagree. If I see I have a hurricane deductible on my homeowners insurance that my local (who’s been through decades of hurricanes) then by it’s own policy definition recognizes that a hurricane (a major wind and rain event) is different than a random windy rainy day. Then why is my damage not covered when a named cat 4 hurricane that I can prove damaged my home not covered?
Posted on 9/29/21 at 8:48 am to BengalBlood81
First off, if you have an HO3 your wind driven rain should be covered unless otherwise excluded. Now that’s out of the way.
You’re misunderstanding the hurricane deductible.
Just because a hurricane passed doesn’t mean that any and all damages are covered because you have a hurricane deductible. It means that your deductible for covered losses due to the passing of a hurricane is that stated amount.
Some companies have hurricane deductibles, some have named storm deductibles, and some have wind/hail deductibles. No matter what, the policy still dictates what is and is not covered, not the deductible applied.
If an excluded loss occurs, say flooding, during a hurricane that doesn’t mean that flood is automatically covered. Flood is still excluded. The hurricane deductible applies for covered losses that occur during the hurricane.
You’re misunderstanding the hurricane deductible.
Just because a hurricane passed doesn’t mean that any and all damages are covered because you have a hurricane deductible. It means that your deductible for covered losses due to the passing of a hurricane is that stated amount.
Some companies have hurricane deductibles, some have named storm deductibles, and some have wind/hail deductibles. No matter what, the policy still dictates what is and is not covered, not the deductible applied.
If an excluded loss occurs, say flooding, during a hurricane that doesn’t mean that flood is automatically covered. Flood is still excluded. The hurricane deductible applies for covered losses that occur during the hurricane.
Posted on 9/29/21 at 8:57 am to TDsngumbo
But UPC has a wind driven loss limitation, which specifically reads and applies to HO3 AND HO5 the following perils have been added as losses we do not insure for:
"Rain, snow, sleet or dust to the interior of a building unless a covered peril first damages the building causing an opening in a roof or outside wall door or window and the rain,snow, sleet, sand or dust enters through the opening."
"Rain, snow, sleet or dust to the interior of a building unless a covered peril first damages the building causing an opening in a roof or outside wall door or window and the rain,snow, sleet, sand or dust enters through the opening."
Posted on 9/29/21 at 9:08 am to MallardDeer
quote:
"Rain, snow, sleet or dust to the interior of a building unless a covered peril first damages the building causing an opening in a roof or outside wall door or window and the rain,snow, sleet, sand or dust enters through the opening."
You people are NOT using your God given noggin. Do you think there is even a point 1 of 1% chance that an admitted carrier in Louisiana could explicitly name wind or wind -driven rain as an EXCLUSION on a named hurricane? And on a standard HO-3 form to boot? I have ocean front property in Nebraska that I want to sell some of you. Jesus H Christ.
Posted on 9/29/21 at 9:14 am to Tomatocantender
quote:
You people are NOT using your God given noggin. Do you think there is even a point 1 of 1% chance that an admitted carrier in Louisiana could explicitly name wind or wind -driven rain as an EXCLUSION on a named hurricane? And on a standard HO-3 form to boot? I have ocean front property in Nebraska that I want to sell some of you. Jesus H Christ.
ummm yes i do. he needs to read his policy.
Posted on 9/29/21 at 9:21 am to BengalBlood81
quote:
I think it’s a differing opinion of what definitions are. You act like people can’t read and don’t know what they are buying and I disagree. If I see I have a hurricane deductible on my homeowners insurance that my local (who’s been through decades of hurricanes) then by it’s own policy definition recognizes that a hurricane (a major wind and rain event) is different than a random windy rainy day. Then why is my damage not covered when a named cat 4 hurricane that I can prove damaged my home not covered?
pretty much what wafer said.
not there isnt differeing opinion on what definitions are. If you have HO3, you are covered for wind driven rain, unless it specifically says you are not. It will say something along the lines of what was posted above.
and yea a hurricane deductible is recognizing that it is a different type of event than a typical thunderstorm. It also will have specific language for that hurricane.
Do you think a hurricane policy covers flooding from storm surge? because it doesnt. It covers the damage if the roof was blown off or got a hole in it then the house received water damage though.
READ YOUR DAMN POLICY!! Stop trying to distort things to your view, which when it comes to contract law, is fricking wrong.
and yea most people can not or do not read and understand the policy. average IQ in Louisiana is well under 100. So yea i do think most in LA are not capable of reading and understanding the policy.
Posted on 9/29/21 at 9:22 am to Tomatocantender
Uh Yes I do. Its pretty clear above.
Yes an HO3 is a standard form, I will give you that. The exclusions and endorsements is where you find or do not find coverage. Use your noggin and read some.
The devil is in the details.
Yes an HO3 is a standard form, I will give you that. The exclusions and endorsements is where you find or do not find coverage. Use your noggin and read some.
The devil is in the details.
Posted on 9/29/21 at 9:23 am to lsu777
quote:
hurricane deductible
Some people need to read policies. Big difference between a hurricane and wind/hail deductible.
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