Posted On: November 25, 2008, 9:27 am CST

Posted By: Lowell

Structure damaged, but still standing...roof and walls above water line are windstorm losses...water damage is inside and up to water line...client has both policies...so far no flood money paid and only partial windstorm for roof...can't callem...can't email em...adjusters not experienced did bad jobs clients have to hire own independents who charge 10-15% to re adjust...Now, on those structures completely gone by surge, should they get windstorm check or not? should flood deduct what would have been windstorm had structure survived? Adjusters on these claims minimally experienced in many cases due to sheer numbers that have to be adjusted...quite a mess...Flood and windstorm should be combined in some way and the premium should be risk based, not taxpayer or govt backed, except as last resort, and then premiums adjust for future further losses...insuring living and working on the coast cannot be insurance welfare...but for now pay and fix later