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The visitors probably ed them up too much last time.
That's because floods arent covered under general homeowners policies.
The visitors probably ed them up too much last time.
Yes, but in Biloxi, which got hit by a storm surge/wind damage, they still found ways to claim it as flood damage. Just google it. They pulled some shady stuff.
I just hope everyone knows better than to expect ethics from an insurance company.
Well in all due respect if the parcel of property (Piece A) is not actually located on the tract being insured (Tract B), then why should the insurer on Tract B, pay for Piece A?
Having said that, its well known that there are some shady things that go on with insurance companies. You just have to keep all of your do entation and have proof for all instances.
Like anything legal in life.
Mostly light rain now with short heavy bands every once in a while. The wind has died down a bunch with an occasional gust or 2. It's projected to be like this till tomorrow. The intense stuff has passed NOLA and now the waiting game begins for power to come back on. Still 58% life on ipad and 74% on iphone. That and booze will serve as my entertainment till they are drained. The storm is now heading to Baton Rouge.
Just a terrible, generic statement. Maybe if you can't trust your insurance carrier, you should consider switching.
Also, try educating yourself as to what your specific insurance is intended to provide coverage for and the rules that govern coverage (burden of proof and who it falls on). For every company that intentionally frauds a customer in insuracne, there is a greater number of insured's who defraud the insurance companies.
Lookup Concurrent Causation.
People are too friggin' stupid to actually read their insurance policy and understand what is and is not covered. But hey, don't let that deter you from blaming insurance companies for your average homeowners ignorance.
Yeah, we always get flood insurance living on the gulf because homeowners insurance doesn't cover anything. My father had flood insurance when our house got destroyed in Mississippi by Katrina.
I do think the insurance companies were shady during Katrina because most of the damage was wind damage and they made everything out to be flood damage even if it wasn't in flood zones. Luckily the people who had flood insurance were fine.
In extreme weather you can get flooding in some places that normally don't get it. But homeowner's policies (at least good ones) will actually cover quite a bit (not flood). If you are in a flood zone, certainly get flood insurance. But a good policy will be open perils, cover sewer back up, foundation water damage and continuous and repeated seepage/leakage of water - in addition to most all other weather events (with the exception of flood/earth quake). It will cover fires, tornadoes, hail, pipes bursting, lightning and a lot of other items.
It is not a maintenance policy though so ongoing issues or other items (like flood) are not intended to be covered. There might be some shady companies out there, or shady people is the more likely thing, but this isn't the old days. Most of the good insurance carriers are training their people to pay what they owe and provide great service. Again, you find more people defrauding the insurance carriers (their stolen TV magically went from a 40" to a 72" LCD 3D TV....) than the carrier doing something to an insured. There are lawsuits from time to time and people make mistakes, but it's not a common thing to take a company to court that just blatantly made the wrong coverage decision and tried to wrongfully deny a claim.
Sons my residential generator is the best $6k I ever spent. Living in south Louisiana they come in awful handy multiple times a year. When the power goes out, give it about 10 seconds and everything is back up. For anyone buying or building a home here should automatically add about $4-7k to their mortage to own one.
fail
Does it run on stanky diesel gas or has some techie come up with a non gas generator?
Gas line ran to it
No such as diesel gas. It's either gasoline or diesel.
I would add that anyone building or buying a home anywhere should have a large generator for emergency power.
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