DCtiger1

If it falls on your house, your homeowners insurance would be responsible. Who owns the land?...

I’m guessing you didn’t watch the game last night :lol:...

Palmer has game breaking ability but seems to have stone hands. Lee looks like he could be a true asset as a strong possession receiver. It was exciting seeing the freshman, but it’s good to see Lee find a spot after moving him to seemingly 5-6 positions on the field....

He’s the head coach. ...

[quote]This thread is gay[/quote] Says the guy that cried introducing himself at work. ...

I described the player that thrashed our defense. It is factual that he’s white. It makes no difference, it’s a physical description. The fact that you are offended is absurd. ...

[quote]Just a little racist on your part[/quote] How is it racist you snowflake? It’s factual and I’m white for Christ’s sake...

The horror! ...

Depends, do they have a slow, white TE that can run crossing routes? If so, strong and Clark will give up 350 easy ...

[quote]Well my policy doesn’t say that, so [/quote] Share your policy language with us. Before you do, understand that all insurance companies use the standard ISO HO-3 form for their policy language in LA which is approved by the insurance commissioner. ...

[quote]You are fricking stupid. Like, really fricking stupid.[/quote] Says the idiot that thinks an insurance company colluded with the local governments to prevent mandatory evacuations in order to prevent loss of use being paid out for a day or so? You’re so fricking delusional it’s not even worth...

[quote]State Farm and a local government entity like Latoya to refuse to declare a mandatory evacuation. [/quote] Wow, take that dumb shite to the politics board. ...

[quote]Said no one that lived in a house without any power for a week in late summer Louisiana.[/quote] That may be true, but that’s not what matters when it comes to a homeowners policy. Loss of power, unless it happens on your property only, is not a covered loss. ...

To each their own…. Not worth clamoring about captive vs non captive Some of those same indy/clearinghouse companies went insolvent in FL this year. Shitshow...

SF doesn’t do that. Used to have a non-cat loss ratio metric but that’s a thing of the past....

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

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. ...

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. ...

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 su...

HO-3, but yes you are correct...