Posted On: March 15, 2006, 9:15 am CST

Posted By: Consider this

It seems that many folks and insurance people are missing an important point. There are many of us who are concerned, not about getting paid for water damage, but for WIND damage. State Farm, in particular, is not paying for proven wind damage, even with engineers reports and forensic weather reports as proof. They are saying that it does not matter if the tornadoes and high winds blew our homes away, even if it happened hours before the water came. The quote many of us are hearing from them is, "We are not paying for wind damage (which is covered in our policies), because with this storm, if the wind didn't take your home, the water was going to come in a take it anyway!" How ridiculous...have you seen the homes that are totally destroyed , trees down, everything in shreds, and just a short distance away, similar construction homes are still standing, altho flooded and unlivable? THAT IS BECAUSE TORNADOES AND FLASHES OF VERY HIGH WINDS made a path thru many, many areas and destroyed everything in its path. The standing houses were only hit by the water...they may be moved and gutted, but in the most part, many of them are still in identifiable as a house. The Mississippi Ins.Commission has stated in emails to us that they have told the Insurance Executives that they need to pay for wind damage, and the executives have agreed that they would. However, behind the backs of the Ins. Commission, the representatives of State Farm (in particular) are continuing to deny our wind coverage.The courts must interpret and apply the provisions of the State Farm policies BEFORE anyone goes to mediation. State Farm representatives must be knowledgeable and honest enough to advise the parties of the rulings of the court, with regard to the coverages of the policy. Mediation BEFORE the courts interpret the policies is a waste of time. So, for all of you who think that we are only out to get money from the insurance companies to cover water damages, which we realize is an excluded coverage in many cases...wise up.
Many of us had Hurricane policies...if that does not mean wind or wind and water...then why did they sell it to us in the first place. WE do NOT WANT ANYTHING THAT WE DID NOT PAY FOR...BUT WE DO INTEND TO FIGHT TO BE PAID FOR WHAT IS LEGALLY OURS.If you are not walking in our shoes, you may some day. Be careful how you criticize and judge.