RE: Senator Lott vs: State farm
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RE: Senator Lott vs: State farm - 1/9/2006 9:43:07 PM
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kilo
Posts: 82
Joined: 12/12/2005
Home base: Independence, LA
Status: offline
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I have been reading and reading and reading. If I may ask a few questions.
Can anybody define what " flood" is, and how can storm surge be considered Flood?
Now surge I know, as in tidal surge.
Just for general info the worst time for a hurricane to hit is high tide, never mind everybody knows that.
And if it wasn't storm surge/wave action then how can the wind blow a derilict that must weigh thousands of tons 10 feet up a sea wall and 1/2 mile down a road and drop it on a building. This is not Kansas and I'm not toto so it wasn't a tornado. How does the wind cause a debris line up in the trees 10 feet off the ground ?
Has anybody looked at the dynamics of a hurricane ?
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RE: Senator Lott vs: State farm - 1/9/2006 11:27:07 PM
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katadj
Posts: 692
Joined: 4/19/2004
Home base: New Hope, PA
Status: offline
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More Katrina happenings, it looks as if Mississippi and Louisiana may be insurance poor in the next year or so.
If 2006 measures up to the predictions, there may be no insurance available at a reasonable price.
These customers only need, life , health, HO, wind, flood, auto, boat and what else?
http://www.insurancejournal.com/news/southeast/2006/01/09/63872.htm
_____________________________
"Excellence often first appears as error. It is only in retrospect that wisdom emerges from ignorance and success from failure." Abraham Lincoln
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RE: Senator Lott vs: State farm - 1/10/2006 8:43:36 PM
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Big T
Posts: 104
Joined: 10/9/2004
Home base: Beaverton,Or
Status: offline
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quote:
ORIGINAL: kilo
I have been reading and reading and reading. If I may ask a few questions.
Can anybody define what " flood" is, and how can storm surge be considered Flood?
Now surge I know, as in tidal surge.
Well, flood, tidal action, overflow of a body of water, etc, etc, etc. See Jim F's post back 2 pages.
Are they the same? No Are they all excluded? yes
Also, nothing I like better than an attorney filing a class action suit that can't read the policy!
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RE: Senator Lott vs: State farm - 1/10/2006 10:11:53 PM
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kmerian
Posts: 55
Joined: 7/20/2005
Home base: San Antonio, Tx
Status: offline
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quote:
ORIGINAL: kilo
I have been reading and reading and reading. If I may ask a few questions.
Can anybody define what " flood" is, and how can storm surge be considered Flood?
Now surge I know, as in tidal surge.
Just for general info the worst time for a hurricane to hit is high tide, never mind everybody knows that.
And if it wasn't storm surge/wave action then how can the wind blow a derilict that must weigh thousands of tons 10 feet up a sea wall and 1/2 mile down a road and drop it on a building. This is not Kansas and I'm not toto so it wasn't a tornado. How does the wind cause a debris line up in the trees 10 feet off the ground ?
Has anybody looked at the dynamics of a hurricane ?
flood (fl d)
n.
- An overflowing of water onto land that is normally dry.
(from http://www.dictionary.com)
Also, by definition a storm surge is water driven by wind. And that, is specifically excluded under all HO policies. Everyone who lives on the coast knows that, and they know that if their home is destroyed by the storm surge, they will only have the coverage under the NFIP. The class action suits are an attempt to force coverage where there is none and no one seems to care that if they win, no one will be able to get any kind of HO insurance within 200 miles of the coast.
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RE: Senator Lott vs: State farm - 1/11/2006 12:42:18 AM
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khromas
Posts: 611
Joined: 4/19/2004
Home base: Houston, Texas
Status: offline
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quote:
ORIGINAL: Big T
quote:
ORIGINAL: kilo
I have been reading and reading and reading. If I may ask a few questions.
Can anybody define what " flood" is, and how can storm surge be considered Flood?
Now surge I know, as in tidal surge.
Well, flood, tidal action, overflow of a body of water, etc, etc, etc. See Jim F's post back 2 pages.
Are they the same? No Are they all excluded? yes
Also, nothing I like better than an attorney filing a class action suit that can't read the policy!
Post edited with apologies to the good people of MS.
The light of a new day illuminated my insulting previous entry.
The reality is that it is documented fact that the average level of completed education here in MS is among the lowest in the US. It is one of the most sought after venues for plaintiffs to come into desiring a pliable and easily directed jury. As plaintiff's attorneys believe "you don't have to confuse that kind of jury with facts and truth".
< Message edited by khromas -- 1/11/2006 9:43:59 AM >
_____________________________
Kevin Hromas
_______________________________________
Definition of a LIBERAL: a person who is so open-minded that their brains have fallen out!
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RE: Senator Lott vs: State farm - 1/11/2006 5:02:11 PM
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Tom_Toll
Posts: 560
Joined: 4/19/2004
Home base: Austin, AR
Status: offline
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As I have said repeatedly for a number of years on CADO, religion, politics, and stupid comments should never be placed on a forum. Bragging about how many claims you have seen in a days, weeks, months, or years time, only shows how arrogant some adjusters can be. How long their fifth wheel, or motor home is also arrogant and quite frankly, obnoxious.
Positive attitude, attitude, attitude, get some, it does not hurt. As far as moderators are concerned, we do out best. We cannot lock out forums, that is the CADO owners responsibility. We cannot lock out moronic statements, nor who posts here. We can lock out foul language and certain other items. As you know Kevin, I have deleted several of your posts while you extremely upset at something. We all sometimes say what we really should not. Always wait to post and read it several times before posting.
_____________________________
Success is not final, failure is not fatal: it is the courage to continue that counts.
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RE: Senator Lott vs: State farm - 1/11/2006 8:27:42 PM
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kilo
Posts: 82
Joined: 12/12/2005
Home base: Independence, LA
Status: offline
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Thanks everybody that is the definition I have been using and know. I guess I must have been brain dead. I couldn't figure out How their HO policy, could possibly cover the damages caused by the storm surge/ flood . I thought I was missing a vital part of policy interpretation, Or was this a case of tunnel vision and I was looking for something that wasn't there.
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RE: Senator Lott vs: State farm - 1/22/2006 10:26:19 AM
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rorunner_77
Posts: 32
Joined: 4/19/2004
Home base: NW Mississippi
Status: offline
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Just a note on FEMA and NFIP running out of money. Get your wallets out ! Your paying for it--Mr Taxpayer.
I hope the flood insured is getting paid faster than us old arse flood adjusters!
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