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Federal Judge in Mississippi 'Storm Surge' Case Upholds Home Insurance Flood Exclusion

National News • April 13, 2006
A federal judge in Mississippi has upheld the water damage exclusion in homeowners insurance policies in a ruling welcomed by insurers. U.S. District Judge L.T. Senter, Jr. of the Southern ...

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Subject: Is it legal for a GC to charge OH/Profit on an Ins Premium?

Posted On: June 1, 2006, 12:13 pm CDT
Posted By: Mike
Comment:
I had some tenant improvements done on a retail location. The landlord required $2Million in Insurance limits and my GC only carried $1M. I agreed to pay for the additional premium he would be charged to increase his limits.

I have two problems:
1. The GC's insurance agent sold him (me) an excess policy for his entire company instead of a project policy to cover just my project and the premium was three times what it should have been. On top of that, the policy runs for the remainder of his GL policy period, long after my project was completed and was called "noncancellable."
2. The GC charged me overhead and profit on top of the premium! I thought you had to have an insurance license to make money on an insurance premium.

Help! Do I have any recourse? Spitzer would have a field day with this, I'm sure, but I'm just a little guy and the amount in question is roughly $1,000.
Subject Posted By Posted On
RE: Roger Poe don
Nov 18, 2009, 3:21 pm
JAMES... RE: Good Hands...My ***- Justice 4 All
Nov 1, 2006, 1:59 am
RE: Good Hands...My ***- James
Nov 1, 2006, 12:50 am
Good Hands...My ***- Justice 4 All
Oct 8, 2006, 1:33 am
RE: Is it legal for a GC to charge OH/Profit on an Ins Premi Roger Poe
Oct 6, 2006, 1:11 pm
Is it legal for a GC to charge OH/Profit on an Ins Premium? Mike
Jun 1, 2006, 12:13 pm
To NKN - Tony - Commenting Is Archived...Forever Roger Poe
May 19, 2006, 12:00 pm
NKN and Tony. Please note, I'm not Martha Kirwin. ClaimHawk
May 19, 2006, 8:10 am
RE: RE: Insurers and adjusters are playing with consumers. Tony
May 18, 2006, 10:25 pm
RE: Charles - Some Records That May Help You And Others Tony
May 18, 2006, 10:19 pm
RE: RE: Insurers and adjusters are playing with consumers. Tony
May 18, 2006, 10:05 pm
RE: Insurers and adjusters are playing with consumers. NKN
May 18, 2006, 9:57 pm
Charles - Some Records That May Help You And Others Roger Poe
May 18, 2006, 8:15 pm
RE: Insurers and adjusters are "abusing" claiments. Charles
May 18, 2006, 6:49 pm
Market Conduct Check List For Allstate-Travelers-State Farm Roger Poe
May 18, 2006, 6:25 pm
RE: Insurers and adjusters are playing with consumers. Roger Poe
May 18, 2006, 5:18 pm
Insurers and adjusters are playing with consumers. ClaimHawk
May 18, 2006, 3:57 pm
RE: RE: Tony - Have You Ever Owned A Construction Business? Tony
May 18, 2006, 1:25 am
RE: Tony - Have You Ever Owned A Construction Business? Roger Poe
May 17, 2006, 6:43 pm
RE: Tony - Have You Ever Owned A Construction Business? Tony
May 17, 2006, 4:55 pm
Tony - Have You Ever Owned A Construction Business? Roger Poe
May 17, 2006, 3:43 pm
RE: Tony - Honorable Insurers-Adjusters Know What Is Truely Tony
May 17, 2006, 2:50 pm
Tony - Honorable Insurers-Adjusters Know What Is Truely Fair Roger Poe
May 17, 2006, 12:40 am
RE: True Replacement Costs Depreciated = ACV Mark H
May 16, 2006, 8:35 pm
RE: Mark H - True Replacement Costs Depreciated = ACV Tony
May 16, 2006, 6:59 pm
RE: RE: Tony - Insurers DO Underpay Claims...In Many Ways Tony
May 16, 2006, 6:28 pm
Mark H - True Replacement Costs Depreciated = ACV Roger Poe
May 16, 2006, 6:22 pm
RE: Tony - Insurers DO Underpay Claims...In Many Ways Mark H
May 16, 2006, 12:14 pm
RE: Allstate Insider -AS 'Knowingly Underpay Every Claim' Martha Kirwin
May 7, 2006, 5:53 pm
Tony - Insurers DO Underpay Claims...In Many Ways Roger Poe
Apr 29, 2006, 8:41 pm
RE: To Tony-From Roger Poe - Partial Facts & False Impressio Tony
Apr 28, 2006, 8:58 pm
To Tony-From Roger Poe - Partial Facts & False Impressions Roger Poe
Apr 28, 2006, 8:17 am
RE: To Mark H- We can afford to pay above the water line + Tony
Apr 28, 2006, 12:55 am
RE: Thanks, Tony Tony
Apr 28, 2006, 12:44 am
Thanks, Tony Charles
Apr 27, 2006, 11:22 pm
To Mark H- We can afford to pay above the water line + Katrina Survivor
Apr 27, 2006, 2:13 pm
RE: RE: RE: RE: RE: KUDOs to Roger & Survivor - To Mark Tony
Apr 21, 2006, 6:02 pm
RE: RE: RE: RE: KUDOs to Roger & Survivor - To Mark Charles
Apr 21, 2006, 5:31 pm
RE: RE: RE: KUDOs to Roger & Survivor - To Mark Mark H
Apr 21, 2006, 1:18 pm
RE: RE: KUDOs to Roger & Survivor - To Mark Roger Poe
Apr 19, 2006, 1:17 pm
RE: RE: GOOD HANDS...MY ***! To -Ed Yukashun Roger Poe
Apr 19, 2006, 12:31 pm
RE: QUESTION ON FLOOD - Questions... Roger Poe
Apr 19, 2006, 12:19 pm
RE: KUDOs to Roger & Survivor Mark H
Apr 19, 2006, 7:46 am
KUDOs to Roger & Survivor Mrs. LB
Apr 19, 2006, 3:12 am
RE: GOOD HANDS...MY ***! Ed Yukashun
Apr 18, 2006, 5:40 pm
GOOD HANDS...MY ***! Katrina Survivor
Apr 18, 2006, 4:26 pm
RE: RE: RE: Roger Poe/Allstate Mark
Apr 18, 2006, 12:30 pm
RE: RE: Roger Poe/Allstate "pulling out" of FLA Charles
Apr 18, 2006, 10:23 am
RE: Roger Poe Gloria
Apr 18, 2006, 3:13 am
Roger Poe Mark
Apr 17, 2006, 8:22 pm
RE: Allstate Insider -AS 'Knowingly Underpay Every Claim' Charles
Apr 17, 2006, 8:15 pm
QUESTION ON FLOOD Hal
Apr 17, 2006, 7:07 pm
RE: To Southern Agent - From Roger Poe Roger Poe
Apr 17, 2006, 4:43 pm
To Roger Southern Agent
Apr 17, 2006, 2:58 pm
RE: Roger Poe - To Jay Roger Poe
Apr 17, 2006, 10:07 am
RE: RE: Rodger -To Hal & Mark H Hal
Apr 17, 2006, 9:41 am
RE: Rodger -To Hal & Mark H Roger Poe
Apr 17, 2006, 9:20 am
Roger Poe jay
Apr 17, 2006, 8:50 am
RE: RE: Rodger - From Roger Poe Mark H
Apr 15, 2006, 5:04 pm
RE: Rodger - From Roger Poe Roger Poe
Apr 15, 2006, 10:43 am
Rodger Bob
Apr 15, 2006, 7:36 am
RE: RE: po po roger Mark H
Apr 14, 2006, 7:12 pm
RE: po po roger semper gumby (always flexible)
Apr 14, 2006, 3:41 pm
RE: Did they pay for wind? D
Apr 14, 2006, 3:29 pm
Did they pay for wind? Jim
Apr 14, 2006, 2:05 pm
quit pickin' on Roger Fore Tune Teller
Apr 14, 2006, 1:41 pm
RE: RE: Allstate ruling (and Roger P.) Mark H
Apr 14, 2006, 1:31 pm
A win for the good guys! Oklahoma Agent
Apr 14, 2006, 1:19 pm
RE: Allstate ruling Hal
Apr 14, 2006, 1:13 pm
Allstate ruling insray
Apr 14, 2006, 1:06 pm
counsel Dr. Men Tal
Apr 14, 2006, 10:12 am
RE: RE: RE: RE: RE: Allstate Insider -AS 'Knowingly Underpa Mark
Apr 14, 2006, 10:07 am
RE: RE: RE: RE: Allstate Insider -AS 'Knowingly Underpay Ev Bob
Apr 14, 2006, 9:48 am
RE: RE: RE: Allstate Insider -AS 'Knowingly Underpay Every Hal
Apr 14, 2006, 8:59 am
RE: RE: Allstate Insider -AS 'Knowingly Underpay Every Clai Andy
Apr 14, 2006, 8:30 am
RE: Allstate Insider -AS 'Knowingly Underpay Every Claim' Jay
Apr 14, 2006, 7:35 am
Allstate Insider -AS 'Knowingly Underpay Every Claim' Roger Poe
Apr 13, 2006, 9:29 pm
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