5 Comments to 'Sh*t Farm'
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Sh*t Farm
Posted By avi
Sisters blew whistle on Katrina claims - Yahoo! News
I would think that the damage to State Farm’s reputation would be far worse than any claims they’d pay out. After reading this, I’d certainly never want to do business with them.
What good is an insurance company that won’t pay claims? Why should we pay them anything to do nothing? And for that matter, what is this “we cover hurricane wind damage but not hurricane flooding” bullshit?
It’s one thing if the Mississippi overruns its banks. Fine. Don’t cover that sort of flooding. But the storm surge in Katrina was driven entirely by wind. Anything attributable to Katrina is clearly wind-related, even if the object being thrown at your house was a wall of water.
What’s the difference between a wall of wind and a wall of water driven by wind? The cost of your home, apparently. For State Farm, the cost should be their business.
Aug 27th, 2006
….hmmmmm…. interesting what you wrote Einstein. and I quote, or from what I could remember from your comment…. made me laugh so freakin’ hard I couldn’t see straight…”Don’t cover the Mississippi overflowing it’s banks.. fine. But the storm surge from Katrina should be covered because it was all wind generated” HUH?????? What planet are you on? The reason the Miss. flooded over its banks was b/c of the storm surge, but you say not to cover it? The storm surge from Katrina should be covered? Nope, sorry. Flood is flood. Here’s a tip. If you live remotely close to the Gulf or any other large body of water, especially if you’re dumb enough to live BELOW a huge lake (Pontchartrain) and the Miss. River, much less in a bowl between the two…. get a friggin flood policy, move, or shut up and take the consequences.
Rob, I’m going to leave your comment up as a study of a malfunctioning brain.
New Orleans is indeed in a flood bowl. Katrina hit more than just New Orleans. Areas of the state of Mississippi, not near the river of the same name, were flooded by the storm surge from the Gulf of Mexico, many miles away.
That’s entirely wind driven. If global sea levels rise 20 feet, that’s flooding. If rain causes the Mississippi to swell and flood, that’s flooding. If a hurricane sends a wall of water through your house, that’s called a hurricane. If I bought a hurricane policy, it damn well better cover hurricane damage, from water, wind, or loose brain cells.
But thanks for taking the time out from having your head up your ass to comment.
no such thing as a “hurricane” policy. Wind or flood. Period. Flood is not covered in the wind policy… Period. People need to read ALL of the policy they have. Your home is a HUGE deal, so make sure it’s got the coverage it needs. And another thing, insurance companies DO NOT write the FLOOD policy, the feds do. The insurance companies are carriers for the NFIP policy and thus interpret and determine coverage by what the flood policy allows for, nothing more and nothing less. Like I said before, if folks live just a few feet from the beach in MS or several miles inland, and they are still at or MAYBE just above sea level, get a flood policy. IT’S A FREAKING OCEAN!!!!! Not a mud puddle. Going to put my head back where you said it came from, thanks for all your wisdom and expertise….
And my point, which you continue to miss, is that the WIND drove the water into people’s homes. Flooding generally comes from rainfall, either locally or upstream. This wasn’t an issue of too much rainfall or a swolen river, but of wind pushing the ocean onto land. And the issue with the alleged misrepresntation is that much of the damage that was even clearly caused by wind was attributed to flooding.
What’s interesting, Rob, is you suddenly came to my site via a search for "State Farm Misrepresentation." You’re apparently from Texas. I’m suddenly wondering if you have any personal connection to State Farm? You seem to be on a mission to prove how homeowners deserve what they got.
And my point, previously stated, is each homeowner needs to read each line of the contract, and in my homeowners policy it specifically states under “losses not insured” of the homeowners (”wind”) policy, that water damage, flood waters, surface water, waves, tidal water, tsunami, seiche, (whatever that is), overflow of a body of water, or spray from any of these, all whether driven by wind or not, is excluded in the policy. Furthermore, whether you live in Kansas or the Gulf Coast, this is pretty much a universal policy and the language is the same, no matter which insurance company you are with. It is very sad that a lot of folks seem to be getting the shaft with their insurance companies, but if they would have just read their policy. And yes, I am an ind. catastrophe adjuster for an insurance company and have been for the past 9 years, and was in the middle of the war zone two days after Katrina and stayed until February.