Posted On: March 20, 2006, 4:06 pm CST

Posted By: DoLittle

The problem is that insurance companies have been to this dance over and over again. While most insureds have never been to this dance.

No matter who has the burden of proof the insured has to have a basis for any claim.

Also, Mississippi ain't Texas, a Mississippi contract and a Texas contract are two different things and the legal climate is different.

The point of this article is that this case has been remanded to state court.

No doubt that a Mississippi homeowners policy covers "wind" damage and a deductible applies. The deductible may be a hurricane deductible.

No doubt that a Mississippi homeowners policy does not cover "Flood."

No doubt that a NFIP covers "Flood."

No doubt that a NFIP does not cover "wind."

There is absolutely no chance that either contract will be construed differently.

If you have "wind" damage document it and ask for "appraisal", ask for "mediation" and that does not work, hire an attorney and let a law firm handle your claim.

Oh, go to an agent and buy an adequate amount of insurance, "flood" and "wind."

If you don't have an adequate coverage amount anything else is a moot point.