Texas / South Central News
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Wind or Water? Victims Got Conflicting Info on What Caused Damage
Texas / South Central News • April 13, 2007
A man who sued Allstate Insurance Co. after losing his home to Hurricane Katrina lashed out April 11 at the insurance industry's position that damage from a hurricane's storm surge is excluded ...
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| Subject | Posted By | Posted On |
|---|---|---|
| Like you have me on ignore Joe ;) | Jewel | Apr 24, 2007, 10:40 am |
| My quality of life has | adjusterjoe | Apr 24, 2007, 10:24 am |
| Points to Ponder on the flip side | Jewel | Apr 24, 2007, 8:48 am |
| Pot meet kettle... | Jewel | Apr 23, 2007, 3:36 pm |
| RE: RE: The truth (follow up) | adjusterjoe | Apr 23, 2007, 3:17 pm |
| RE: The truth (follow up) | Palican | Apr 23, 2007, 1:29 pm |
| Hope... What was | Jewel | Apr 23, 2007, 7:52 am |
| RE: I will put this on an elementary | Hope | Apr 22, 2007, 12:28 pm |
| RE: RE: RE: RE: Sam | Mary B. | Apr 20, 2007, 1:30 pm |
| RE: RE: Keep writing | David | Apr 20, 2007, 10:40 am |
| RE: Keep writing | adjusterjoe | Apr 20, 2007, 10:04 am |
| Keep writing | David | Apr 20, 2007, 9:44 am |
| RE: RE: RE: RE: RE: RE: The truth (follow up) | adjusterjoe | Apr 20, 2007, 9:13 am |
| RE: RE: Check it out... | David | Apr 20, 2007, 8:48 am |
| RE: Check it out... | sam | Apr 20, 2007, 8:19 am |
| Check it out... | Sam | Apr 20, 2007, 8:17 am |
| RE: RE: RE: RE: RE: The truth (follow up) | David | Apr 20, 2007, 7:51 am |
| Hey David | Jewel | Apr 20, 2007, 7:50 am |
| RE: RE: RE: RE: The truth (follow up) | adjusterjoe | Apr 19, 2007, 10:16 pm |
| RE: RE: RE: The truth (follow up) | adjusterjoe | Apr 19, 2007, 10:08 pm |
| RE: RE: The truth (follow up) | David | Apr 19, 2007, 9:49 pm |
| RE: The truth | David | Apr 19, 2007, 9:10 pm |
| The truth | adjusterjoe | Apr 19, 2007, 6:03 pm |
| RE: RE: RE: Sam | David | Apr 19, 2007, 5:35 pm |
| RE: RE: RE: RE: Keeping to the point of the article... | adjusterjoe | Apr 19, 2007, 4:27 pm |
| RE: RE: RE: Keeping to the point of the article... | Sam | Apr 19, 2007, 3:57 pm |
| RE: RE: Keeping to the point of the article... | adjusterjoe | Apr 19, 2007, 3:55 pm |
| RE: It is | Jewel | Apr 19, 2007, 3:42 pm |
| RE: Keeping to the point of the article... | Sam | Apr 19, 2007, 3:32 pm |
| It is | adjusterjoe | Apr 19, 2007, 3:30 pm |
| RE: RE: Sam | Jewel | Apr 19, 2007, 2:47 pm |
| RE: Sam | David | Apr 19, 2007, 2:15 pm |
| Sam | adjusternut dba adjusterjoe | Apr 19, 2007, 2:10 pm |
| RE: Keeping to the point of the article... | David | Apr 19, 2007, 12:57 pm |
| Now We Know | adjusterjoe | Apr 19, 2007, 12:57 pm |
| Keeping to the point of the article... | Jewel | Apr 19, 2007, 10:16 am |
| Sam | adjusterjoe | Apr 19, 2007, 9:55 am |
| RE: RE: Now We Know | David | Apr 18, 2007, 5:43 pm |
| RE: Now We Know | Jewel | Apr 18, 2007, 1:32 pm |
| RE: RE: Now We Know | Sam | Apr 18, 2007, 12:28 pm |
| RE: Now We Know | Pelican | Apr 18, 2007, 12:12 pm |
| Now We Know | Sam | Apr 18, 2007, 11:51 am |
| Wow! I am the stupidest person Joe has | Jewel | Apr 18, 2007, 8:11 am |
| RE: RE: RE: RE: RE: RE: Wind or Water? Conflicting Info. | Temblor | Apr 18, 2007, 5:43 am |
| RE: RE: RE: RE: RE: Wind or Water? Conflicting Info. | adjusterjoe | Apr 17, 2007, 11:29 pm |
| Chad | adjusterjoe | Apr 17, 2007, 11:24 pm |
| I have NEVER | adjusterjoe | Apr 17, 2007, 11:14 pm |
| Joe, long time no post... | Jewel | Apr 17, 2007, 3:46 pm |
| RE: Joe, cut back on the joe | steve o. | Apr 17, 2007, 2:37 pm |
| RE: | Mary B. | Apr 17, 2007, 2:30 pm |
| RE: As I have stated before, Jewell | Mary B | Apr 17, 2007, 2:23 pm |
| RE: RE: Wind or Water? Conflicting Info. | David | Apr 17, 2007, 1:33 pm |
| RE: RE: RE: RE: Joe, cut back on the joe | temblor | Apr 17, 2007, 1:31 pm |
| RE: RE: RE: Joe, cut back on the joe | David | Apr 17, 2007, 1:15 pm |
| RE: RE: Joe, cut back on the joe | chad balaamaba | Apr 17, 2007, 11:53 am |
| fakeadjusterjoeknowitall | Jewel | Apr 17, 2007, 11:52 am |
| RE: RE: RE: RE: Wind or Water? Conflicting Info. | Temblor | Apr 17, 2007, 11:42 am |
| RE: RE: RE: Wind or Water? Conflicting Info. | adjusterjoe | Apr 17, 2007, 11:35 am |
| RE: RE: Wind or Water? Conflicting Info. | Temblor | Apr 17, 2007, 11:17 am |
| RE: Joe, cut back on the joe | adjusterjoe | Apr 17, 2007, 10:48 am |
| Joe, cut back on the joe | Chad Balaamaba | Apr 17, 2007, 9:41 am |
| Still | adjusterjoe | Apr 17, 2007, 9:29 am |
| RE: Wind or Water? Conflicting Info. | Jewel | Apr 17, 2007, 9:02 am |
| RE: RE: Wind or Water? Conflicting Info. | Temblor | Apr 17, 2007, 8:49 am |
| RE: Wind or Water? Conflicting Info. | Jewel | Apr 17, 2007, 8:30 am |
| RE: 8 BALL... Oops! | Jewel | Apr 17, 2007, 8:28 am |
| Wind or Water? Conflicting Info. | Temblor | Apr 17, 2007, 8:28 am |
| 8 BALL... | Jewel | Apr 17, 2007, 8:27 am |
| RE: Wind or Water? Conflicting Info. | Jewel | Apr 17, 2007, 8:17 am |
| Joe makes things up, not Jewel | Jewel | Apr 17, 2007, 8:11 am |
| Wind or Water? Conflicting Info. | Temblor | Apr 17, 2007, 6:30 am |
| Lott should have bought excess flood | LL | Apr 16, 2007, 9:56 pm |
| And they still | adjusterjoe | Apr 16, 2007, 9:30 pm |
| It is futile | adjusterjoe | Apr 16, 2007, 9:27 pm |
| RE: Sorry for double entry | David | Apr 16, 2007, 8:21 pm |
| "8 BALLS" response | David | Apr 16, 2007, 8:20 pm |
| Impossible | adjusterjoe | Apr 16, 2007, 6:08 pm |
| RE: Peace in our time between Joe and Jewell | David | Apr 16, 2007, 5:52 pm |
| Peace in our time between Joe and Jewell | James Carter | Apr 16, 2007, 4:32 pm |
| RE: Tremblor | Temblor | Apr 16, 2007, 4:06 pm |
| RE: ... | David | Apr 16, 2007, 4:05 pm |
| RE: ... | adjusterjoe | Apr 16, 2007, 3:58 pm |
| ... | Jewel | Apr 16, 2007, 3:52 pm |
| RE: RE: You have to be | adjusterjoe | Apr 16, 2007, 3:51 pm |
| Tremblor | adjusterjoe | Apr 16, 2007, 3:49 pm |
| As I have stated before, Jewell | adjusterjoe | Apr 16, 2007, 3:43 pm |
| RE: RE: You have to be | Temblor | Apr 16, 2007, 3:41 pm |
| RE: You have to be | Temblor | Apr 16, 2007, 3:38 pm |
| RE: adjusterjoe doesn't answer your questions | Jewel | Apr 16, 2007, 3:38 pm |
| adjusterjoe doesn't answer your questions | Jewel | Apr 16, 2007, 3:36 pm |
| RE: You have to be | Jewel | Apr 16, 2007, 3:31 pm |
| You have to be | adjusterjoe | Apr 16, 2007, 3:21 pm |
| Way to skirt the issue... | Jewel | Apr 16, 2007, 3:17 pm |
| RE: I will put this on an elementary | Jewel | Apr 16, 2007, 3:14 pm |
| I will put this on an elementary | adjusterjoe | Apr 16, 2007, 3:08 pm |
| Adjusterjoe, let's try this again! | Jewel | Apr 16, 2007, 2:39 pm |
| RE: RE: Wind or Water | adjusterjoe | Apr 16, 2007, 2:12 pm |
| RE: Wind or Water | temblor | Apr 16, 2007, 12:41 pm |
| RE: Wind or Water | adjusterjoe | Apr 16, 2007, 12:23 pm |
| Wind or Water | temblor | Apr 16, 2007, 11:56 am |
| Tremblor | adjusterjoe | Apr 16, 2007, 10:01 am |
| RE: NFIP eligibility | Bill | Apr 13, 2007, 8:43 pm |
| NFIP eligibility | LL | Apr 13, 2007, 7:08 pm |
| Wind or Water? Conflicting Info. | temblor | Apr 13, 2007, 4:05 pm |
| RE: RE: RE: RE: Wind or Water? Conflicting Info. | Tracy | Apr 13, 2007, 3:09 pm |
| RE: RE: RE: Wind or Water? Conflicting Info. | temblor | Apr 13, 2007, 3:01 pm |
| RE: RE: RE: excess flood coverage is available... | temblor | Apr 13, 2007, 2:55 pm |
| RE: RE: Wind or Water? Conflicting Info. | Chad Balaamaba | Apr 13, 2007, 2:54 pm |
| RE: RE: excess flood coverage is available... | JW | Apr 13, 2007, 2:42 pm |
| RE: excess flood coverage is available... | Sam | Apr 13, 2007, 2:35 pm |
| excess flood coverage is available... | Chad Balaamaba | Apr 13, 2007, 2:26 pm |
| RE: Wind or Water? Conflicting Info. | Inquiring Minds Want to Know | Apr 13, 2007, 2:25 pm |
| Wind or Water? Conflicting Info. | Temblor | Apr 13, 2007, 1:49 pm |
| RE: Value of home? | Sam | Apr 13, 2007, 1:47 pm |
| Value of home? | JW | Apr 13, 2007, 1:27 pm |
| Back to article | ||
Subject: RE: RE: Wind or Water? Conflicting Info.
Market value is what it would sell for on the open market. For this you have to separate out the market value of the land so you have only the market value of the building, extremely difficult to do, most appraisers don't have a clue.
You insure on the replacement cost basis. Market value has nothing to do with property insurance.
Added issue is the cost to bring up to current code. Houses down here (S Fl) built in the 70's through the late 90's) fall woefully short of the current code. It can cost a fortune to upgrade them. That's why Andrew and Wilma did so much damage.
Standard replacement cost definition does not include cost to upgrade (although Fl. law requires homeowner's policy to include additional 25% of building value for cost to upgrade) so it's a big issue for commercial buildings.