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Started By
Message
re: UPC insurance is horrible
Posted on 9/29/21 at 9:29 am to CaptainsWafer
Posted on 9/29/21 at 9:29 am to CaptainsWafer
I’m not misunderstanding anything. I recognize the deductible doesn’t equate to coverage. What I’m saying is that the policy recognizes hurricanes are by definition different than a non hurricane wind/rain event by providing differing deductibles. If that’s the case, and I have damage from a hurricane, why is this “wind driven rain” even a discussion?
1
Posted on 9/29/21 at 9:36 am to lsu777
quote:
ummm yes i do. he needs to read his policy.
And every single HO-3 and HO-5 policy is Louisiana that has a windstorm exclusion only applies to attached or exterior property like solar panels, antennas etc. It has absolutely nothing to do with structural integrity, caving in, interior etc from a named hurricane Act of God occurrence.
You do realize that any admitted carrier writing fire/property & casualty in Louisiana has to get their base forms (base contract, endorsement, rider, application et al) approved prior to use? And even if the compliance examiner missed something United Property & Casualty tried to slip by, then Donelon has the vested power to force a carrier to pay for fair & equitable claims as if that policy language did not have ambiguous language to begin with?
Posted on 9/29/21 at 9:36 am to lsu777
I don’t think flooding is covered by homeowners. It’s why I pay flood insurance as well and am not bothering my flood insurance people with this claim. I didn’t flood. And if a hurricane is not wind driven rain, what is it? You define it hurricane without using wind and rain in it. I’ll wait.
Posted on 9/29/21 at 9:45 am to BengalBlood81
quote:
And if a hurricane is not wind driven rain, what is it? You define it hurricane without using wind and rain in it. I’ll wait.
thats not what i am saying, im saying their could very well be an exception in there. the poster above you, seems to be more knowledgable than me on this and says they cant in LA, but hurricane does cover wind and rain. But it may only be after the wind causes damage that it covers rain. you have to read your policy.
Posted on 9/29/21 at 9:45 am to Tomatocantender
quote:
And every single HO-3 and HO-5 policy is Louisiana that has a windstorm exclusion only applies to attached or exterior property like solar panels, antennas etc. It has absolutely nothing to do with structural integrity, caving in, interior etc from a named hurricane Act of God occurrence.
You do realize that any admitted carrier writing fire/property & casualty in Louisiana has to get their base forms (base contract, endorsement, rider, application et al) approved prior to use? And even if the compliance examiner missed something United Property & Casualty tried to slip by, then Donelon has the vested power to force a carrier to pay for fair & equitable claims as if that policy language did not have ambiguous language to begin with?
UPC has a 15 page Special Provisions-Louisiana endorsement jacket attached to everyone of their homeowner policies in LA. This verbiage is included in that. What the frick are you arguing.
The scary part is, people don't realize how common this is with a lot of other insurance companies in LA. Its likely more of the norm than not.
Posted on 9/29/21 at 9:49 am to BengalBlood81
quote:
I don’t think flooding is covered by homeowners. It’s why I pay flood insurance as well and am not bothering my flood insurance people with this claim. I didn’t flood. And if a hurricane is not wind driven rain, what is it? You define it hurricane without using wind and rain in it. I’ll wait.
You can tell who the insurance agents are in this thread. They have this weird fascination with "read your damn policy" or "exclusion exclusion exclusion" or "it's not covered" like the money is coming out of their own pocket.
Louisiana Dept of Insurance has this figured out since Katrina. The second that storm hit the Gulf and a name was assigned to it, you now are under an Act of God event if you can show the peril from Laura was a threat to structural integrity, caving in (those are the 2 common words on all HO-3 policies) which is Coverage A & B on any and all HO-3 approved forms by the P&C Forms Division of the La. Dept of Insurance. There is no other way around it as UPC is not an excess/surplus Lloyds commercial lines, they are writing residential HO-3 standard, fully insured.
Posted on 9/29/21 at 10:35 am to Tomatocantender
quote:
They have this weird fascination with "read your damn policy" or "exclusion exclusion exclusion" or "it's not covered" like the money is coming out of their own pocket.
im not an agent at all. not even close. and you seem to be the one that thinks there are no exceptions. As chad posted above....you are prolly wrong on this one.
Posted on 9/29/21 at 10:43 am to lsu777
quote:
thinks there are no exceptions
Far from the truth. I had a few thousand dollars of landscaping damage that I haven’t mentioned a word of, down trees that were thousands of dollars to have removed. I’m not holding that to my policy even though it was damage from the storm. I’m saying my insured dwelling was damaged from a loss of structural integrity from the storm that caused the rain to enter my home. I pay a premium for this to be covered.
Posted on 9/29/21 at 10:50 am to BengalBlood81
quote:
I’m not misunderstanding anything. I recognize the deductible doesn’t equate to coverage. What I’m saying is that the policy recognizes hurricanes are by definition different than a non hurricane wind/rain event by providing differing deductibles. If that’s the case, and I have damage from a hurricane, why is this “wind driven rain” even a discussion?
You most certainly are.
Hurricane is not a cause of loss. Wind is.
If you have wind damage that occurs during a hurricane, your hurricane deductible applies. If you have wind damage that occurs without a hurricane causing the wind, then a separate deductible will apply.
You say this:
quote:
. I recognize the deductible doesn’t equate to coverage.
Then immediately follow with this:
quote:
What I’m saying is that the policy recognizes hurricanes are by definition different than a non hurricane wind/rain event by providing differing deductibles. If that’s the case, and I have damage from a hurricane, why is this “wind driven rain” even a discussion?
For the second time.
ETA I’m trying to help you understand the difference. I’m not arguing if you have coverage or not.
This post was edited on 9/29/21 at 10:52 am
Posted on 9/29/21 at 10:51 am to BengalBlood81
quote:
Far from the truth. I had a few thousand dollars of landscaping damage that I haven’t mentioned a word of, down trees that were thousands of dollars to have removed. I’m not holding that to my policy even though it was damage from the storm.
why? that's dumb if so.
quote:
I’m saying my insured dwelling was damaged from a loss of structural integrity from the storm that caused the rain to enter my home.
there is no damage to the structural integrity of your home.
quote:
I pay a premium for this to be covered.
Maybe the desk adjuster wasn't aware of the fact you paid a premium this whole time.
Posted on 9/29/21 at 11:03 am to sledgehammer
quote:
After Hurricane Laura, I fought a claim with UPC for nearly a year until it was finally resolved in July. I went through 5 desk adjusters until one finally made something happen. It was infuriating, calling/emailing everyday and receiving nothing back only to hear from the higher ups weeks later (after I contacted them) that I got assigned a new adjuster. If I didn’t take the initiative and pester them everyday, nothing would’ve gotten done.
This is pretty disheartening. Can you share the nature of your claim/extent of damage even generally?
I’m worried that my house is going to sit over a year unoccupied and just deteriorate. We are considering purchasing another house so that we can let this process play out, but that is a ton of debt to carry.
Posted on 9/29/21 at 11:24 am to Chad504boy
quote:
there is no damage to the structural integrity of your home.
Structural integrity of the door. Which was battered by storm debris for hours that eventually allowed water to penetrate through the door itself.
Posted on 9/29/21 at 11:34 am to BengalBlood81
quote:
Structural integrity of the door. Which was battered by storm debris for hours that eventually allowed water to penetrate through the door itself.
Awesome. Did you show the adjuster the picture of the battered door to which you can see the openings created by the battering of the debris?
Posted on 9/29/21 at 11:50 am to OceanMan
quote:
Can you share the nature of your claim/extent of damage even generally?
My neighbor’s tree fell on my house inflicting several large punctures on the roof allowing some water inside. Shingles missing everywhere on the roof. The adjuster came quickly and did a great job. Next, a third party tarping company hired by my insurance tarped my roof because they didn’t want me to do it. They tarped my entire roof with nail holes everywhere. I got the quote amount back from insurance later and noticed they only would pay for 1/3 of the roof. They said it only needed patching even though insurance tarped the whole roof with nail holes everywhere. I fought them until July even after the roofer gave up telling them I needed a whole roof. I finally paid out of pocket in Dec because I desperately needed a roof. I was catching rain in 5 gallon buckets in several places every time it rained. It kept getting worse. If I had a family in the house or no money saved up, I don’t know what I would’ve done. Like I said before, I finally got an adjuster who cared about my situation and got the last check to finish covering the roof in July of 2021.
Let me know if you have more questions?
This post was edited on 9/29/21 at 11:58 am
Posted on 9/29/21 at 11:50 am to BengalBlood81
quote:
Structural integrity of the door. Which was battered by storm debris for hours that eventually allowed water to penetrate through the door itself.
You need to use the energy used in this thread to argue with posters to argue with UPC.
Sounds like we have a similar policy with a (I’m assuming) similar type insurer. I see an exclusion for windstorm and hail under coverage C (personal property) that says the wind must cause an opening for damage to be covered. I do not see a similar exclusion for your dwelling.
I agree with the general sentiment of other posters that reading your policy can likely give you your answer. However, you stated you read your policy and could not locate the exclusion. Tell the insurance company that you disagree, and that they need to provide a specific reference in your policy where they are basing their exclusion. One way or another they owe you an explanation as to why you were denied, it’s not up to you to read your policy 100 times and find something they might be referencing and just accept their decision.
Posted on 9/29/21 at 12:00 pm to sledgehammer
quote:
Let me know if you have more questions?
I appreciate you taking the time to write that out. My damage is unfortunately more severe and have about 20 things I am going to have to argue like this. Damage to roof, siding, framing, wall board, flooring….
I just don’t see how this thing doesn’t drag out over a year. Waiting that long isn’t fair to my family, so trying to consider best course of action to get us settled while also getting a fair insurance deal.
The shitty thing is I think I have the resources and knowledge to fight this alone, but will still have to hire a lawyer to show them I am a threat which will eat into the claim that I need every dollar of.
The contents claim has been a similar nightmare.
Posted on 9/29/21 at 12:31 pm to Chad504boy
quote:
Chad504boy
quote:
What the frick are you arguing
I'm arguing structural integrity you dense nimwit. You know, a point you just conceded like 2 posts up. Before I bounced into this thread you idiots were gang-banging OP's poor little arse, but now Tomato has restored order with bringing up STRUCTURAL INTEGRITY.
Everyone knows shite until they don't know shite. You're welcome OP. Now get to work on the other advice I gave you.
Posted on 9/29/21 at 12:38 pm to OceanMan
quote:
One way or another they owe you an explanation as to why you were denied
Not trying to derail as I'm on OP's side, but from a Title 22 perspective you are not technically correct. Your policyholder bill of rights only says they have to give you detailed clarification on canceling or non-renewing you...but as a claimant they can simply point to "policy language" and keep it very general on a claims denial notification. That is why you have to walk them down with the other steps I provided that I'm not typing again. OP either got it or he doesn't. I did my job in this thread.
Posted on 9/29/21 at 12:40 pm to BengalBlood81
I have painted brick paint blown to bare bricks in various areas due to Ida and insurance says not covered.
Posted on 9/29/21 at 12:44 pm to Odinson
quote:
I have painted brick paint blown to bare bricks in various areas due to Ida
Insurance usually doesn't cover white trashness. Sorry guy.
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