Posted On: May 15, 2006, 6:27 pm CDT

Posted By: Mark H

Doncha, you don't get it...

You stated: "You say where's there's nothing left, the water blew it away.. Well the question is what did the wind do before the water destroyed the evidence."

No, that's not the question. The question is "Will the anti-concurrent causation clause in the policy hold up in court?" The water damage exclusion excludes damage that occurred in any sequence to the excluded event. This is not the first time someone in history has come up with that argument, and in most cases it has been decided in favor of the insurance contract. Which, by the way, was approved by the state insurance department.

I would also like to comment on your last statement: "And for the industry to claim "sorry, no evidence of wind damage" (chuckle, chuckle) where the water washed away the remnants of homes that were obviously battered by wind, is dishonest, unethical, immoral, and yes, contrary to the contract."

First, it's not contrary to the contract... see above (and read your policy).

Second, I take offense at your "(chuckle, chuckle)" remark. Most of the claims people who went to the Gulf Coast to assist after Katrina struck left their families to help settle claims. Maybe you were caught in the aftermath, but we drove into it! Many of them with my company lived in campers for months, only seeing their families for Christmas. I was lucky enough to get a hotel room (albeit small) when I arrived. Working claims during a catastrophe is thankless work, mainly due to people with attitudes like yours, who perpetuate the notion that the big bad insurance company and their minions are chuckling all the way to the bank. SHAME ON YOU AND YOUR KIND!

We work hard to pay claims based on the coverages afforded by the contract that the insured accepted. PERIOD! It's not my money to spend or else I'd hand it out like free popcorn at the car lot. Well, when I write a check to an insured, I'm spending YOUR money and your neighbor's money, and the guy across the states' money. Would you like me to spend it wisely or just give it out by the fistful?

You need to pay close attention to the outcome of these lawsuits. If successful, you may get paid for your non-covered damage, but you will never get another mortgage in the state again, because there will be no affordable insurance to back the loan. Maybe "Dickey" will give his millions to his friends and neighbors to rebuild the coast.