re: UPC insurance is horrible

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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.

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which ins co?

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cool. no idea how you think the company is going to give way

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We went from you hellbent on proving me wrong to now you're agreeing to the claims trigger. And the way he proves it is every.single.step I provided earlier, which I'm not typing out for you. On the internet, this is the closest thing you get to check-mating someone. At least OP now has hope and some breathing room versus listening to you freaking wannabe insurance agents here online just posting "exclusion exclusion exclusion" like a bunch of parrots with no real sense of the actual law and how to fight back against carriers. This is why we can't have nice things. Checkmate bitch.

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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.

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On most policies, trees and landscaping are not covered in a windstorm event. If a tree or tree limbs falls on a covered property, like a fence or house, etc, the policy owes a reasonable amount to remove the tree from the covered property to allow repairs. If a tree falls in a yard and doesn't impact any covered property, under most policies this is not covered.

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Tomatocantender

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someone is still triggered that they didn’t read their policy on what is habitable or uninhabitable

LINK

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Keep your dumbass out of insurance threads when the grownups are discussing business and how to settle claims in a fair and equitable manner. Dipshits like you is why good people give up and just bend over and take it. I gave the OP all the arrows in the quiver to get his shite straight.

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interesting.

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On most policies, trees and landscaping are not covered in a windstorm event. If a tree or tree limbs falls on a covered property, like a fence or house, etc, the policy owes a reasonable amount to remove the tree from the covered property to allow repairs. If a tree falls in a yard and doesn't impact any covered property, under most policies this is not covered.

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I discussed this 2 pages ago. That's when I brought up the 2 keys to busting through the carrier's crap, (1) structural integrity, (2) caving in.

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I discussed this 2 pages ago. That's when I brought up the 2 keys to busting through the carrier's crap, (1) structural integrity, (2) caving in.

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Are those words in your policy and defined? If not they mean nothing. What does structural integrity have to do with a tree that has no coverage? How does a tree cave in?

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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.

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You sure seem to have learned a lot since you asked the board like a week ago why you got denied on coverage D because your water was out

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You obviously did not go back and look at what I wrote, did you? I said exterior shite like what you're bringing up (trees, antennas, solar panels -- shall I keep going) would be excluded for windstorm. But the structure of your house...nevermind, you either get it or you don't. You people are a special kind of SLOW today starting with that other pussy ChadBoy that is...well he's just a pussy.

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The OP mentioned trees and landscaping dumbass, that is why I replied to him about trees and landscaping.

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The OP mentioned trees and landscaping dumbass, that is why I replied to him about trees and landscaping.

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He mentioned that later on as additional info in response to something else, not the subject starter of this thread you silly retard.