It was always the Texas Policy and the other 49 states policy. Nothing changes in Texas. This session of the legislature has a bill on ALE coverage for mandatory evacuation from Hurricanes.

This is really a good bill to consider , it could save thousands of lives. How about flood vs wind damage ? How is the additional cost of this coverage going to be collected ? How many carriers will not go along with coverage ? Can it be provided this storm season? Should the gross claim have a 80/20 co -pay feature. What will be the time limit ?  The dollar amount ? Now is the time for the carriers and adjusters to voice their opine. How about the real biggie "direct damage"  (From an insured peril) I think insurance carriers will always write coverage if they can make a profit. Should this be a seperate policy or intergrated into the Home Owners in the Gulf and Atlantic Coast only.

Think this out and chirp up, someone is reading your post.

The coverage amounts of ALE, is very different from carrier to carrier. Some have it as 10-20% of coverage "A" or variations thereof, and others go so far as to state "actual loss sustained" (up to policy limits , of course). 

All of the ALE claims are normally based on a "direct physical loss due to a covered peril"

Now, for the TX legislature to consider that ALE coverage be extended to include a "mandatory evacuation" they would have to consider the resultant damage to the covered property. Did it sustain a "Direct Physical Loss" due to a covered peril? If the coveredproperty did sustain such a loss then the normal ALE could come into play as originally intended.

It would appear that this would be additional coverage that could be written into the policy as an endorsement, and at an additional charge and that the ALE endorsement would have a cap of some nature.

The carriers may accept that as a viable risk for which they can be compensated. However for the additional coverage to be included with no compensation to the carrier seems to be a very one-sided deal that none would go for. 

States not in Hurricane areas should not be punished. Most of the hurricane evacuation are from low flood prone areas as well as wind. The coverage should be written from either a life-death situation from wind and flood, even though flood is not a peril and the direct loss language should not be in the "new coverage" do not call it ALE, but name it Civil Authority Mandatory Evacuation Coverage, and spell out who the civil authority will be.

This coverage will generate  tens of thousands of claims and  tens of millions of dollars  in claims. It will be abused if co-pay limits are not involved.  

From room service, pay for view movies, laundry sent out, new set of tires, auto repairs, dinner for 15, etc etc.. The coverage is needed. Max Mayfield hit it on the head, some day thousands will die by the water, wind or stampedes.This  coverage can help save lives. 

Just what will it cost ?

Try  "CLN  PWASH "  for sq. ft. charges

"CLN  PWASHMN" for min charge includes 1/2 gal. of chemical and 2 hour rental charge.

RandyC

That would have been my answer....but since it's Trader, there is more to this than just an Xcrap question.  There was the hidden quiz.

How come you're power-washing a shingled roof?   What was the peril?  Is it just a little patch job that the rest of the slope had to be cleaned off first?   

There are forty internet articles on powerwashing shingle roofs?  Someone in Texas needs to get a life.

The powerwash option in Xactimate would normally be for siding.  I would think that it would also apply to roofing materials, but you might want to add some additional ladder and jack or minimum scaffolding charge because powerwashing at the top of a ladder would involve certain hazards not encoutered from the ground.

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Maybe Trader will enlighten us.  I've heard it mentioned as a possible solution for discoloration, but I never really thought about it for composition materials, so I researched it a bit.  As one might think, high pressure power washing dislodges granules, and some chemicals soften and/or dry the asphalt base.  Still, some power wash companies recommend it.

A lot of companies tout their low pressure power wash methods, and some chemical companies will include information on how to convert high pressure washers to appropriate levels.  I also discovered something called Spray and Forget it that is suppose to kill algae and fungus growth over a period of time and deposit a residue that will retard and prevent future growth.  For badly affected roofs, there can be an initial  application of mild bleach water (to be rinsed thoroughly after a very short stand time).  This product uses a garden sprayer rather than a power wash...but includes instructions to be used with a powerwash option.

I have a light colored 3-tab under two huge pecan trees.  I have some mild discoloration which I thought I'd have to live with as natural patina.  Now, I have something to try that might work without taking years of granules from my roof.

I hope Trader will come back and explain the coverage aspect to this whole subject.  Could be a wind storm deposited some large branches that left fungus colonies (are fungi social?) as the only sudden physical damage or something.  Maybe someone has experience with the spray and leave type chemicals that might save me a bad experience.

RandyC!