Posted On: July 12, 2008, 3:28 pm CDT

Posted By: adjusterjoe

Photos taken after the fact are useless. One neighbor actually stayed thru the entire storm and saw the damage occur. As an adjuster I understand that in most cases the storm surge is the main culprit, but historically payments have been made on the wind policy based upon the estimated wind damge which WOULD LOGICALLY HAVE OCCURRED before the surge. In this case much of the guesswork is removd with an eyewitness. It is just recently that the insurors have attempted to remove liability from themselves for wind damage based on concurrent causation language.

I have little sympathy for the carriers as they have brought it upon themselves, liberlaizing policies, using lax underwriting and in general attempting to repesent themselves as the "GOOD HANDS", GOOD NEIGHBOR", "NATIONWIDE IS ON YOUR SIDE" kind of entities. When in reality they have been taken over by bean counters whose only objective is the bottom line.