Federal Judge Puts Part of State Farm Katrina Settlement on Hold

By | January 27, 2007

  • January 27, 2007 at 7:38 am
    Justice 4 All Not just 600 says:
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    The entire city of Waveland & Bay St.Louis

    was destroyed.

    All of the people Lost

    All, that they owned.

    Don\’t you remember the twilight zone.

    Seems we are still living in it too.

    Justice for all in MS, not just 600.

  • January 27, 2007 at 7:40 am
    Read The Contract says:
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    Who said they don\’t owe? (Other than the company when it was trying not to pay?) Their contracts clearly do include wind damage, even if there is also flood damage.

    Read their anti-concurrent causation clauses, nothing there says they won\’t pay for wind if there\’s flooding, just that they won\’t pay for the flood damage.

    What this country needs isn\’t \”nice\” companies, it needs companies that know how to read and write contracts.

  • January 27, 2007 at 7:53 am
    Kim David says:
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    What does the settlement include?
    All Benefits Listed Below were Denied:

    A Building
    B Other Structures
    C Contents
    D Loss of Use/Living Expenses:
    listed as actual loss sustained ?

    How much for Punitive?

    Does this prevent Law Suits against the Agent\’s E&O Insurance Carrier?

  • January 27, 2007 at 8:10 am
    Living in the USA says:
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    It is the Agent\’s Responsibility to give an explanation of benefits to the prospective applicant.
    The Homeowner is not in the Insurance Business. It is not easy to understand the policy because it is not cut & dry.
    The policy is without doubt deceptive.
    It is the Agent that should have explained, in English, What you do and do have have coverage for.

    Not One Agent has ever done that.

    Not One Agent has even telephoned a Katrina Client, offering an explanation of benefits or what they were entitled to or how to try to get it.

    Quite the contrary, Agents followed instruction from State Farm Orders.

    THE REASON why
    MANDATORY FOR EVERY STATE FARM AGENT TO PURCHASE INSURANCE….
    CALLED ERRORS & OMISSIONS.

    THAT COMPANY NEEDS TO STEP UP TO THE PLATE AND PAY TOO.
    EACH POLICY IS $5MILLION MAX.

  • January 27, 2007 at 8:45 am
    Adjuster says:
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    And these people would recover how much without the lawyers\’ assistance? That was what they tried first and State Farm decided to do what they do best and denied everything. They should be paying claims they owe and not a penny more; trouble is, they twist their policy interpretations to best suit them.

    Insurance policies are contracts of adhesion; ambiguities are judged in favor of the party who did not draft the agreement (homeowner). State Farm deserves to pay every penny.

    As far as I understand, Louisiana does not have a class action statute, so there cannot be a class action.

  • January 27, 2007 at 11:11 am
    Kim David says:
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    LA is one of the few states that does not allow Punitive Damages to be awarded by a Judge. It is possible that a Jury could award Punitive Damages.

    Come On…People Now….
    Smile On Your Brother,,
    Every body Get Together
    try to Help one another Right Now.

    The Wind blew trees over in New Orleans.
    Trees that had barks 20\’ radius.
    The Wind did all of the damage in New Orleans. The Flood water came after Katrina left, when the levee broke.

    MS has 1,000 times damage than N.O.

    Truly an understate for State Farm to say wind did not do any damage.
    They are paying for their mistake.
    So, we should all work together to make things right.

    There will be another Katrina…

    Who Sang that song?

  • January 27, 2007 at 12:58 pm
    JR says:
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    This is not going away anytime soon, I predict we will be hearing about Katrina claims for 10 years. As long as you have an attorney involved that will receive far more dollars than the affected claimants it will be a long drawn out case.
    So if Snake Farm agreed to settle for $50 million how many multiples of that do you think it will be in the end?

  • January 27, 2007 at 1:24 am
    Doing What\'s Right For People says:
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    This Money should go Directly toL

    Homeownrs, not Lawyers.

    This would Save-Facesta with the denied claims, damage control.

    In turn State Farm would be rewarded with lots of new premiums.

    Homeowners would need to increase the Insured Amounts, generating new business for State Farm.

    State Farm could issued checks at a specified location, and receive a signed release from the homeowner.
    End of Story, Turn the page.

    This money did come from the Homeowners.

    Seems everyone else has profited except for the actual Katrina Victims.

    Why allow the Lawyers to end up with more money than the homless?

    The People Need A Home to Live in.

  • January 27, 2007 at 2:03 am
    Dan Lloyd says:
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    It looks like once again the class action lawyers cut a deal with the prosecutor and State Farm. Why should a few attorneys collect 20 to 40% of the settlement leaving 35,000 policyholders with a fraction of what they are due. THe class should all opt out and file individually and hope for bad faith awards.

  • January 27, 2007 at 2:17 am
    Mark says:
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    It was not a class action settlement. It was a mass settlement for 600 or so suits, and the AG\’s criminal and civil suits. In the agreement, SF will provide a process for the additional 35,000 or so insureds to reopen their claims for further consideration. There is no cap on the amount SF may end up paying, but it will be at least 50 million.

  • January 28, 2007 at 4:28 am
    Oldies Fan says:
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    Sung by Jesse Colin Young of the Youngbloods.

    How about this one by the Hollies:
    The road is long
    With many a winding turns
    That leads us to who knows where,
    Who knows where.
    But I\’m strong,
    Strong enough to carry him.
    He ain\’t heavy, he\’s my brother.

    So on we go.
    His welfare is of my concern.
    No burden is he to bear,
    We\’ll get there.
    For I know
    We would not encumber me.
    He ain\’t heavy, he\’s my brother.

    If I\’m laden at all,
    I\’m laden with sadness
    That everyone\’s heart
    Isn\’t filled with the gladness
    Of love for one another.

    It\’s a long, long road
    From which there is no return.
    While we\’re on the way to there,
    Why not share?
    And the load
    Doesn\’t weigh me down at all.
    He ain\’t heavy, he\’s my brother.

    He\’s my brother.
    He ain\’t heavy, he\’s my brother…

  • January 27, 2007 at 4:30 am
    Allen Gore says:
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    State Farm must be a real nice company to pay millions out that they don\’t owe. We need more nice companies in America. I read my homeowners policy and it excludes flooding, storm surge, wind and hail. We need more good trial lawyers in America too. Isn\’t it a great time to be alive in America. Senate and House back with the Democrats will impeach evil Bush soon maybe. Insurance companies paying excluded coverage, war in Iraq going Democrats way as well, and of course don\’t forget the invention of the internet.

  • January 27, 2007 at 5:54 am
    What\'s Up with Special 600 says:
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    Why are they allowing this Special 600 and 1 Lawyer to share in $50 Million.

    If you live in a box, & lost the box,

    it is still loosing your home.

    That is the same feeling that everyone felt wheather they had a palace or a box.
    Your home is your castle.

    Is it fair that 600 people get to cut up 50 million with the lawyer?

    35,000 Homeowners, also lost their homes.

    Why does a Special 600 get special

    treatment but 35,000 are treated

    \”less than\” ?

  • January 28, 2007 at 9:47 am
    MD Insurance Lady says:
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    It might not be a bad idea for the Feds and/or states to develop a government-organized coastal product that would include the perils of wind and flood, open to all within 100 miles of coastal waters.

    Imagine having a cat peril policy where there are no huge squabbles over who pays! Imagine policy holders who are paid based upon the actual damages, without losing valuable rebuild dollars to hoardes of ambulance chasers seeking their 30%+. Imagine insurance companies coming back to the coast, eager to write business. Imagine non-coastal citizens not having to help foot the bill for those who choose to live in (or who live in my circumstance) coastal or low-lying areas.

    Living in an area that is subject to the occassional hurricane, as well as seasonal flooding, I would be most eager to purchase such a product just for my peace of mind.

    Yes, it\’s all a fantasy. It would be too hard for the government to simplify cat coverage. They don\’t want to be in the insurance business (even though they already are via NFIP and countless judicial hours spent on fighting over wind vs water), and they certainly wouldn\’t want to take food out of the mouths of the likes of Scruggs and his cronies.

    Oh well – when my hurricane comes and takes my house and floods my community, I guess I\’ll be screwed too.

  • January 28, 2007 at 11:09 am
    Kim David says:
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    Make No Mistake…
    We will have more like Katrina.

    No matter where you live,

    You must notice all of the Natural

    Disasters & the crazy weather…..

    Could this be a hint from God?

    I think he is trying to tell us something.

    He can see all deals in the lobby or behind closed doors.
    If there is a God, We are all his children.

    The song is appropriate…if only people would do what is right?

  • January 28, 2007 at 11:29 am
    son of God says:
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    You are so right Kim. I am a doctore and have been momitering this website for years waiting for someone else to recognize this very point you are making. We are the children of God that was Jesus\’s message all along. WE DO NOT NEED INSUDRANCE WE CAN TAKE CARE OF OURSELVES WE DONT NEED GOVERNMENT TO PROVIDE ANYTHING BUT PROTECTION ANYTHING ELSE IS BEYOND THE SCOPE OF GOVERNMENT THEY CAN ONLY MAKE MATTERS WORSE. THEY ARE HELPING US TO DEATH. IMAGINE IF THESE PEOPLE HAD THE INCOME TAX AND INSURANCE MONIES THEY HAVE SURRENDERED IN THE NAME OF HEALTH CARE AND HOME OWNERES INSURANCE AND HAD INSTEAD PAID HALF OF THAT MONEY DIRECTLY TO THEIR HOSPITALS, DOCTORS, DENTISTS, AND CONTRACTORS. WOULDN\’T YOU THINK THAT THEY WOULD BE BETTER OFF TODAY. THE CONTRACTORS THAT I KNOW FROM NEW ORLEANS HAVE THEIR HOMES UP AND RUNNING AND ARE FIXING OTHER HOMES NOW. THATS ALL YOU NEED A CONTRACTOR NOT AN INSURANCE COMPANY TO PAY THE CONTRACTOR FOR YOU, PAY HIM YOUR DAMN SELF!!! STOP ACTING LIKE SHEEP AND BECOME MEN ONCE AGAIN, FREE MEN. STAND UP TOGETHER FOR EACH OTHER OR DIE. message from GOD.

  • January 28, 2007 at 11:34 am
    son of God says:
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    FOOLISHNESS, THE KNOWLEDGE OF THE WORLD IS FOOLISHNESS, WISDOM IS WHAT IS REQUIRED HERE WHAT INSIDE OF ME IS INSIDE OF YOU AND YOU SHALL DO GREATER THINGS THAN I, HIS KINGDOM COME ON EARTH HIS WILL BE DONE ON EARTH AS IT IS IN HEAVAN. THIS IS NOT THE WILL OF GOD BUT THE FOOLISHNESS OF MAN

  • January 28, 2007 at 11:38 am
    son of God says:
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    BINGO!! BROTHER

    OUR FATHER WHO ART IN HEAVAN….

    WHAT DO YOU THINK THAT MEANS….BROTHER…
    YOU ARE THE SON OF GOD WHY CAN\’T YOU HELP YOURSELVES??

    BECAUSE MY PEOPLE DIE FROM LACK OF KNOWLEDGE

    YOU DO NOT NEED INSURANCE YOU NEED A DOCTOR

    GOTO \”MYPRIVATEDOCTOR.COM\” AND FEAST ON THE POWER OF GOD, YOUR FATHER WHO LOVES YOU LIKE HIS OWN CHILD WHICH YOU ARE…

  • January 28, 2007 at 11:42 am
    son of God says:
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    FAR LESS THAN WHAT WAS PROMISED. DONT PROMISE WHAT YOU CAN DELIVER. STOP THE LIES AND THE DECEIT WHILE YOU HAVE TIME PHAROH,, LET MY PEOPLE GO… YOU HAVE BEEN WARNED…YOU PLANS FOR THE ENSLAVEMENT OF MY CHILDREN WILL FORM THE NOOSE AROUNG YOUR
    OWN NECKS…SO SHALL IT BE WRITTEN SO SHALL IT BE DONE…message from GOD

  • January 28, 2007 at 11:44 am
    son of God says:
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    OOPS SHOULD HAVE EDITED THIS B4 I SENT IT…
    I MEANT DONT PROMISE WHAT YOU CANNOT DELIVER

  • January 28, 2007 at 11:47 am
    son of God says:
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    AND THERE SHALL BE A SPECIAL PLACE IN HELL FOR THEM

  • January 28, 2007 at 11:52 am
    KIm David says:
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    God sent Katrina to blew the roof off of powerful men that blew the covers off bad industry.

    God spoke about those Good Neighbors,
    little did we know, he already had their names etched in stone.
    Since I was little, 10 commandments were read, all instructions from God,
    for How To Treat Your Neighbor!

    Thy shall not deny my winds.
    (this one really cost them)

    Thy shall not bear false witness against thy neighbor…..
    especially with Engineering Firms.

    Thy shall not trick thy neighbor with hidden loopholes.

    Thy shall not sell false policy.

    Thy shall not deny my rain & flood.

  • January 28, 2007 at 12:15 pm
    Kim David says:
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    The solution to the problem is simple:

    FEMA: National Disaster Insurance
    One Policy:
    That would provide the Homeowner with financial protection for any & all Natural Disasters.
    Wind, Water, Collapse, etc.

    If we can afford to spend
    $2 Billion per week in Iraq….

    We best be able to provide the American People with Homeowners Insurance.

    A policy that will provide the financial protection when needed.

    Does Iraq need insurance for what we are rebuilding over there?

    Charity Does Begin At Home…
    It is not charity that we seek,
    It\’s a policy that will protect us.

    We are willing to pay for it but
    we expect to be paid for rain, surge, wind, wind driven water, collapse, mold, etc.

    Do not pee on my leg,
    and tell me it is water.

    Stand Up for each other.

    It\’s the right thing to do for people.

  • January 28, 2007 at 5:29 am
    Iranian President says:
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    Silly Americans. Bush just is saying Katrina happened. This is just like the Nazi Holocaust, both faked.

  • January 28, 2007 at 5:31 am
    Get A Life says:
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    We don\’t have enough problems and then came you.

  • January 29, 2007 at 7:28 am
    CatAdj says:
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    I\’m not saying that b/c they are hardworking they should be denied, but I don\’t think the wind blew people\’s houses away. Can anyone honestly say that the wind blew your entire house away? State Farm offering 35% of policy value on a slab loss is very generous. You said the wind was up to 200mph, well that must make it a category 8 hurricane. The surge line was noticeable all the way up to the railroad tracks along hwy 90. Did anyone see the school at Pass Christian? I\’m sure the wind blew some of the side walls (brick and block) out but the roof was intact! I really do feel sorry for people\’s losses but a policy is a contract. State Farm should pay something but policy limits?

  • January 29, 2007 at 8:04 am
    Cowboy says:
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    Subject: cowboy logic

    A cowboy, who is visiting Texas from Arkansas, walks into a bar and orders three mugs of beer. He sits in the back of the room, drinking a sip out of each one in turn.

    When he finishes them, he comes back to the bar and orders three more. The bartender approaches and tells the cowboy, \”You know, a mug goes flat after I draw it. It would taste better if you bought one at a
    time.\”

    The cowboy replies, \”Well, you see, I have two brothers. One is in Arkansas, the other is in Delaware. When we all left our home in Texas, we promised that we\’d drink this way to remember the days when we all drank together. So I\’m drinking one beer for each of my brothers and one for myself.\”

    The bartender admits that this is a nice custom and walks away.

    The cowboy becomes a regular in the bar, and week after week, comes in and orders the 3 three mugs of beer and drinks each in turn.

    One day, however, he comes in and only orders two mugs! All the regulars take notice and fall silent. When he comes back to the bar for the second round, the bartender says, \”I don\’t want to intrude on your grief, but wanted to offer my condolences on your loss.\”

    The cowboy looks quite puzzled for a moment, then a light dawns in his eyes and he laughs.

    \”Oh, no, everybody\’s just fine,\” he explains, \”It\’s just that my wife and I joined the Baptist Church and I had to quit drinking. Hasn\’t affected my brothers though.\”

  • January 29, 2007 at 8:48 am
    Kim David says:
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    When Wind Blows even a few shingles off of a home, it causes leaks.

    The damaged area of the roof can be removed & replaced only if the new shingles can match the other sun faded shingles.

    Insurance must pay for the removal, replacement of roofing, insulation, walls, paint, carpet, & any contents that were ruined from the leaking roof.
    Minus your policy deductible and your hurricane deductible.
    The only pay above the water line.
    Same as broken windows.

    If the home is uninhabitable, Loss of Use benefits come into play.
    That was also denied by Ins. Co.

    State Farm did not want to pay $1.00.

    Wind blew trees down (barks w/20\’ radius)
    at my home in New Orleans.

    Video evidence shows roof tops flapping in the wind in Chalmette, LA.

    Video Biloxi, MS WLOX-Roof Destroyed

    Shingles were flying like snow in PICAYUNE, MS.
    I was afraid to stay by the window but I had to peek because I could not believe my eyes.
    Did you see the damage in Hide-Away-Lake?
    It was like a bomb went off.
    Trees rocketed into the front doors,
    crushed homes down the middle and or the left and right sides.
    These Homes average $500,000+
    No Water, ALL WIND.
    Check out claims paid in that area.

    US Coast Guard did the study.
    They said Katrina WInds up to 200 MPH hit land 1 to 4 hours before the water.

    The Wind did plenty of the damage,
    the surge Finished us off.

    This is the truth.
    Like it or not!

    To say Katrina did not have wind damage is the understatement of the century.

    Ask State Farm, because they have learned a very expensive lesson.

    A lesson that will go down in history.

    You won\’t find out until it happends to you.

    We got ours…God help you when you get yours.

    I do not wish this on anyone, Not even the ones that throw stones at us
    after we are already down.

  • January 29, 2007 at 10:03 am
    Poets says:
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    What is it with the recent slew of comments on this website posted in random free verse poetry? I want to join in the poetry fun.

    To State Farm: A Haiku-

    Suffer the wrath of
    Bad poems for not paying
    Your Katrina claims.

  • January 29, 2007 at 10:04 am
    Irene Ochoa CIC, API, AIS CISR says:
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    I agree. However, I\’ve always considered State Farm agents more like State Farm employees. Like any other \”captive agent\”, they only represent one company and that is where they derive all their income.

    Will a \”captive agent\” bite the only hand that feeds them in order to protect their insureds? Have they ever?

    I\’m interested to know if their employment contracts allow them to express an opinion that differs from the company line?

    I\’ve had success helping my clients collect for denied claims, by re-submitting the claim under another policy,(if they have one) HO3, HO4, HO5 or HO6 in another state (any state) that doesn\’t exclude wind. The policies usually have a \”limitation\” for contents located at another residence. We\’ve used the limitation to make at least a partial recovery.

    Unfortunately, companies are changing their policy wording to close up this policy limitation that allowed for recovery.

    My best advice is to read the contracts carefully. Even policies sold by other agents or companies may afford coverage. Don\’t accept what any adjuster or underwriter tells you unless you\’ve done you homework and read that contract. Pretend the loss is your personal loss and be a detective looking for coverage.

    Don\’t forget to look into the state insurance laws. I\’ve had companies rely on their contacts to deny claims until I pointed out state laws that required them to honor the claim.

    Catastrophe adjusters work in many states and can\’t possibly know all the rules. Educate them. ie, ACV roof settlements are not allowed in all states.

    To quote a mentor of mine, Sajjad Hashmi, Ph.D., \”The insurance industry is the glue that keeps the modern society together. Without this product, none of us would sleep peacefully.\”

    Many educated, responsible and client focused independant agents do their best every day. And when we do, our clients can sleep peacefully, in that knowledge.

  • January 29, 2007 at 10:06 am
    Adjuster says:
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    Yep, those who help those with no voice. Is this nutball central or what?

  • January 29, 2007 at 11:11 am
    FL agent says:
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    Wow. So much for reasoned, topical views one usually sees on these forums. Even brought out the religious nuts.

    Sadly, Living is so far off base it\’s ridiculous. \”Not one agent has ever telephoned a Katrina client . . .\” Typical uninformed rhetoric. As a Florida agent, I didn\’t have a single client affected by the storm (except for one auto loss, paid in full), but I PERSONALLY called dozens. I explained and explained. I held hands. I sympathized while they cried. Until you\’ve been there, Living, your opinions hold no sway.

    I\’m sure that there are agents and adjusters that didn\’t do A-grade work. There may be companies that aren\’t living up to their end of the deal. Just the same, there are lots of others, both locals and outsiders, that have busted their butts to do what they are trained to do and to help improve the situation.

    And just so you know, the \”plain English\” idea is cute, but it\’ll never happen. Know why? English is great for all of us here in the real world, but it\’s not a language spoken by lawyers. And the courtroom is where these claims are ultimately decided.

  • January 29, 2007 at 11:16 am
    Kim David says:
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    Hurricane Katrina is described in
    Word Book as the worst disaster to ever hit the USA.

    Thousands of Homeowners,
    Still paying Mortgages:without a home
    Still Paying Insurance: denied all claims
    Still paying for a home
    they can not live in.

    Over 1 1/2 year later….

    Americans still waiting for crumbs.

    44 People in LA received Grant Money while
    Mississippi is already on Phase II Grants

    Contractor Fraud

    Robbed by the Bank (Mortgage Co.)

    HOW CAN AMERICA SPEND $2 BILLION A WEEK
    IN IRAQ WHEN AMERICA HAS THOUSANDS OF HOMES THAT WERE DESTROYED FROM A NATURAL DISASTER?

    This is not what Our Men Have died for.

    We have our own war inside America.

    Send our troops Home to help us rebuild.
    They are already on America\’s Payroll.
    Let them work here, where they are wanted.
    Where they are safe from harms way.

    We, The People of the United States of America need to take care of each other first!

    Without the working American Homeowner,
    USA would not have Insurance Industry or one Bank.

    We have all of the power.
    but Americans are too lazy,
    take a pill & chill.
    You will not hear their voice until they loose their sofa.
    They will not speak until it happends to them.

    We have been paying for Homeowners Ins that only guarantee an annual rate increase.

    The policy is nothing but a false sense of security.

    Why the Calculating exclusions added?

    The exclusions prevent the Insured from financial protection resulting from almost anything that could ever possibly destroy a home & contents.

    The exclusions protect the Insurer from a loss and not the Homeowner/Insured.

    Ever wondered why the Insurance Industry has so much money & power?

    They have taken the Money & Power from the American People.

    Time for Americans to Unite & Demand the

    right to buy a real Policy, without

    exclusion for any natural disaster.

    El Nino, Ozone Layer, Global Warming
    and my warning to every Homeowner in USA.

    We must stand up & stand together
    UNITED AS 1 NATION,
    UNDER 1 GOD,
    WITH LIBERTY & JUSTICE FOR ALL!

    Thy shall not trick thy neighbor with false policy!

    God Bless America!
    God is crying…

    take the hints from him!

  • January 29, 2007 at 11:21 am
    English says:
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    Oh my goodness! Doesn\’t anybody know how to appropriately use capital letters?

    For Instance, there Are Several Words in this sentence That are Capitalized when They should Not Be.

    This is an irritating practice that makes readers take you less seriously.

  • January 29, 2007 at 11:22 am
    Read the Contract says:
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    There are two issues: what the exclusion means, and what the burden of proof is.

    The exclusion says water damage is excluded even if concurrent with wind, but doesn\’t say wind is excluded. So wind is covered.

    If wind is covered and water is not, the company has to have good evidence for which damage it excludes. In Senter\’s ruling, he says SF admitted there was wind damage but refused to provide enough evidence to differentiate wind and water damage. If the company doesn\’t provide evidence that damage is excluded, it\’s included.

    If the company doesn\’t want to pay policy limits, it needs to show the damage is excluded.

    In the future, that probably means companies will have to spend more time and money on adjusting concurrent losses. Higher expenses, higher premiums, and maybe fairer decisions.

  • January 29, 2007 at 11:24 am
    Katrina Homeowner says:
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    Not one Agent called to offer living expenses to the clients hit by the disaster.

    State Farm did set up certain locations
    and issued check for $2,500 to homeowners but that was the only amount paid and was deducted from the damage.
    Final check was $.00

  • January 29, 2007 at 11:30 am
    Concerned says:
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    The value of this publication and website are diminished if it becomes a welcome haven for ranters. These postings need to be screened for relevance — at a minimum.

  • January 29, 2007 at 12:54 pm
    Freedom of the Press says:
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    People have freedom to speek.
    People have freedom of the press.

    This is America!

    Your only input is a complaint
    about the site being a haven for ranters ?

    Do you have any input about the subject?

  • January 29, 2007 at 1:06 am
    RED says:
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    Why does the legal profession have to continue to reformat all policies to suit particular situations? Does this mean that all claims that have been denied in the past, because of the flood (Water) exclusion will be reopened? When you have a poitician (Lott) and his cousin (Scruggs)involved the wording in the policy means nothing.

  • January 29, 2007 at 1:28 am
    Honest Working American w/Ins. says:
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    A drug dealer would have had enough money & men to rebuild without insurance.

    You do not have any idea of what you are talking about.

    Your Words….
    may a curse befall you and your family

    What ever you do may come back on you.
    Be careful…

  • January 29, 2007 at 1:35 am
    Joe Momma says:
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    You are a racist fool.

  • January 29, 2007 at 2:02 am
    All knowing says:
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    Your cognitive powers are amazing. I didn\’t read a single word that had anything to do with race. Anywho, we all know George Bush instructed the Army to demolish the levees in New Orleans, insurance policies are purposely misleading, and State Farm is a corporate devil. Honestly, did anyone really expect me to read an insurance policy? Flood’s not covered? What the hell is flood insurance? Save me Superman!

  • January 29, 2007 at 2:10 am
    Abby Normal says:
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    What\’s with all the crazy people (Kim David, son of god, etc) on this site today? Anyway to get rid of the crazies so we can read good, real, honest, logic and informative rants?? I agree with Concerned regarding the need for an administrator to weed out the crazy BS postings like Justice 4 All Not just 600, What\’s Up with Special 600, Doing What\’s Right For People, etc who is the same crazy poster.

  • January 29, 2007 at 2:13 am
    Joe Daddie says:
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    how stupid are you? throwing out the race card on this discussion. what hole did you pull that out from as there was not one mention of race in any of these rants/postings! do you use it to make yourself feel better regardless of the truth?

  • January 29, 2007 at 2:48 am
    Heywood Jablome says:
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    Why is everyone sweating this Katrina Ho?

  • January 29, 2007 at 4:12 am
    CatAdj says:
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    I worked from Long Beach to New Orleans and it was funny that most of the \”wind\” damaged houses in Mississippi still had shingles on the roof which were located about eight blocks from the gulf. It seems that the only people crying are the ones that didn\’t have flood insurance. I agree that they should pay something for wind damage but policy limits, give me a break. If that\’s the case I\’ll buy a house on the gulf and insure for flood and wind and have a free house after a storm.

  • January 29, 2007 at 5:32 am
    Courtney says:
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    so because they are hardworking they should be paid for repair costs their homeowner\’s policy doesn\’t owe??

  • January 29, 2007 at 6:06 am
    Insured by State Farm says:
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    Katrina winds blew up to 200 MPH,
    before the Water arrived.

    WLOX was reporting Katrina live….
    You can see the wind blowing trees over,
    you can see the green grass when all of a sudden the reporters & camera men said,
    We have to evacuate, we lost the roof.
    They switched to another area in the building and those people had to evacuate,
    they said, the roof has blown off of our building here at WLOX.
    You can see & here them panic.
    The entire time, you can see the green grass outside.
    No water other than rain.

    Got it?

    State Farm Lied, Denied their Clients,
    during the wost disaster in history.

    These people deserve the benefits that they paid for, including living expenses & contents too.

    NO ONE OWES US, EXCEPT FOR THE COMPANIES THAT WE PAID TO PROTECT OUR HOMES IN THE EVENT OF A HURRICANE.

    WE HAVE A HURRICANE DEDUCTIBLE.

    Did Hurricane Katrina have winds?
    Did the wind do any of the damage?

    State Farm denied Katrina\’s winds too…
    That is until they had to answer that question, under oath, in a courtroom,
    directly to a man in a Robe, called
    The Judge.

    State Farm said, we know it had some wind.

    We Paid, We were Denied.

    Pay the people and turn the page.

  • January 30, 2007 at 4:52 am
    T says:
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    I think that it is abusive that insurance companies and SOME of their adjusters treated insureds in such a manner…It has been over a year since Katrina, and the insurance companies\’ abuses are still unpunished…Judge, you are a hero to all affected homeowners who\’s claims were mis-adjusted! Do not surrender, hold their feet to the fire! PUNITIVE DAMAGES ARE IN ORDER!!!

  • January 30, 2007 at 5:22 am
    Judge Senter Man of My Heart says:
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    You truly deserve to wear the Robe.
    God Bless You & Your Family.
    I sincerely hope that your life is happy.
    If we could only repay you for the happiness that you have given to the people.
    With one smack from your gavel,
    Judge, you provided our way home.
    We Love You !!!

  • January 31, 2007 at 9:16 am
    cynical says:
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    What are you thanking the judge for? It was the jury that gave the punitive award. How much of that punitive award do you think the plaintiff will share with you? The potential settlement will not result in you getting a windfall, even if you do get some portion of your loss covered.

  • January 31, 2007 at 9:26 am
    Judge Senter Man of My Heart says:
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    True, but I heard that the Judge awarded the 2.5 million.
    I am happy to see justice.

  • January 31, 2007 at 2:11 am
    ANTI Bogus says:
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    The people on the Gulf bought Hurricane insurance. With the advent of Hurricane Katrina, it is time to pay the Hurricane Claims. In the history of the world all waves in a wind storm are caused by WIND.
    The insurance mobsters need to pay their claims or get run out of town. The courtroom hours need to be extended 24/7 in order to bring these insurance mobsters to justice. For now we need laws which outlaw bogus insurance and bought off State insurance commissioner.

  • January 31, 2007 at 3:10 am
    justaslab says:
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    Please remember State Farm is not the only insurer that is denying claims and not paying a cent on slabs. There are still suits against Nationwide, Allstate and others who have treated their policy holders as if they were all ignorant and would take any amount offered for settlement. A kick \’em when they are down attitude. I wish Nationwide would pay me 1% of what FED EX will make on the commercial for the Superbowl. justaslab

  • January 31, 2007 at 3:13 am
    rfrazier says:
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    I have to ask the question. Why does someone living on the coast not buy flood insurance. Is there an availability issue? A flood policy with adequate limits would have solved most homeowners problems.

  • January 31, 2007 at 4:43 am
    Hi 5 2 Judge Senter + Jury says:
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    This is not about flood insurance.
    They Paid.
    The Hurricane Policy is supposed to pay for wind damage, living expenses if your home is uninhabitable and contents ruined from wind damage.
    STATE FARM PAID $000000 NOTHING !
    WHAT PART OF THIS DON\’T YOU UNDERSTAND?

    NOT FLOOD!!!! INSURANCE COMPANIES ALL DENIED KATRINA WINDS…. REFUSED TO PAY 0.
    THEY LIED & CHEATED HOMEOWNERS.

  • January 31, 2007 at 4:52 am
    Policy without Benefits says:
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    El Nino, Ozone, GLobal Warming…
    all signs of natural disasters.
    To all of the people who think we are trying to get something for free,
    You will find the truth when a natural disaster destroyes your home.
    Only then will you understand what we are fighting for. Your policy does not cover anything. Not even collapse.

  • February 1, 2007 at 9:28 am
    justaslab says:
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    I was not in a flood zone, mortgage co. didn\’t require it and I was 19 ft. above sea level. I have lived in coastal Georgia and did purchase flood insurance. Besides, a tornado took my house. Had eye witness who stayed through the storm. Still Nationwide has not paid. justaslab

  • February 2, 2007 at 7:39 am
    No Good Neighbors says:
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    What financial protection?
    Even If the policy was free,
    it does not guarantee the homeowner with any financial protection.

  • February 2, 2007 at 10:28 am
    Mark says:
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    Too all of you that keep referring to \”Hurricane Policies\”…

    THERE IS NO SUCH THING!

    And, having a \”Hurricane Deductible\” does not give you coverage for anything and everything that occurs durring a hurricane.

    If you\’re going to talk about insurance, at least use the right terminology.

  • February 2, 2007 at 10:46 am
    Policyholder No Wind or Water says:
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    Goes to show you that the policy is written to confuse everyone.
    We need to stick together on this one.
    I am for USA:Disaster Insurance,
    not just flood.

    We must be able to buy a policy that will cover anything that we may need.
    We\’ve been paying for a policy that will not cover anything that we may need.

    Wake Up America & do something about this.
    You can be next.

  • February 2, 2007 at 12:18 pm
    Mark says:
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    You said it!

    \”Ignorance #1 Money Maker\” =
    \”Plead ignorance and the jury will award you millions.\”

    \”Policy written to deceive us\” =
    \”I read my policy and did not see the word hurricane, so it must be covered.\”

    Oh, wait, that falls under ignorance, also.

  • February 2, 2007 at 4:07 am
    No Good Neighbors says:
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    Your statement is evidence that the policy is positively written to defraud people.

    The policy is written to protect the Insurer from all possible losses;

    I believe they have been so busy adding exclusions & loopholes they forgot the
    original defination of Insurance.
    The overlooked the need:
    The reason why, they were paid sums of money
    From the beginning of time they were paid to provide financial protection.
    We put them where they are in the top 5.
    Only to find they have taken our money and our power too.

    : the business of insuring property
    : a sum that is paid guaranteeing
    protection

    The policy is purchased to protect the Insured/homeowner
    The policy is written to protect the Insurer/the company
    The policy is written to defraud the Insured/homeowner
    The only guarantee in the policy;
    An annual rate increase to the Insured
    In addition to additional exclusions,
    deductibles & loop holes.
    as paying above the waterline

    Ex: Auto Policy
    If you have a deductible for collission
    but find the policy excludes collission?

    What does that spell?
    FRAUD + THE INTENT TO DEFRAUD
    PLANNED,CALCULATING,+DECEPTIVE LOOPHOLES.

    Yes, we have been ignorant!

    We have optional hurricane deductibles with optional rates: No Benefits

    How can you charge extra rates for
    A hurricane deductible
    but refuse to provide liability for any damage caused by a hurricane damage.

    Insure a diamond but the policy will not
    pay if it is lost or damaged.

    Buy a $2Million Life Policy but they will not pay if you die.

    This is called, Theft,by Fraud!

    YOU CAN HAVE THOSE GOOD NEIGHBORS

    No Good Neighbors!

  • February 2, 2007 at 5:13 am
    Mark says:
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    \”Fradulent to have a Hurricane Deductible\”

    Oh, bullcrap!

    Look, it\’s this simple… In order for the insured to have affordable insurance, the insured takes on more of the financial loss through higher deductibles.

    If you want a $500 deductible, as opposed to a $1,000 deductible, you will pay higher premiums.

    Now the insurer knows that homes along the coast are more likely to be struck by a hurricane. Since the risk is higher on those properties, so is the insurance premium. Try to insure a home on the coast with a $1,000 deductible for all losses. The premium would be so high you would crap your pants!

    Now, stay with me… Since the premiums are so high, and no one can afford insurance on the coast, the insurance companies dedcided to make a deductible that applies only to losses that occur due to hurricane activity (not hurricane coverage). So now you can have your $1,000 deductible for most losses, premiums that don\’t make you crap your pants, and still have some financial protection losses due to hurricane activity.

  • February 3, 2007 at 4:46 am
    Mark says:
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    What do you think insurance is?

    I\’ve never seen a claims adjuster fix a house, but I\’ve seen them write lots of checks.

    The \”financial protection\” is paying you for unexpected covered losses that may put a hurt on your checkbook if you didn\’t have insurance.

  • February 3, 2007 at 5:55 am
    No Good Neighbors says:
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    Unexpected Damage..such as…atomic bomb?
    that is also excluded

    How are you going to feel when your E&O carrier does not provide financial protection for you,
    Your first claim will be denied and your assets will be lost in a court of law.
    Everything you owned will be auctioned by the Sheriff, and you need to pay him and the auctioneers too.
    Why?
    You failed to explain the benefits and Exclsuions to your client.
    You failed to properly insure the value of the home.
    You failed to provide a signed waiver.

    You did not attempt or try to offer benefits to clients during the worst disaster in the history of the USA?

    Get ready for an avalance of snow that will let us know just how much they did snow us.

  • February 6, 2007 at 7:07 am
    Mark says:
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    Since you know that nuclear explosion is excluded, you must have read your policy.

    More things are covered than not.

    Some responses to your statements…
    \”You failed to explain the benefits and Exclsuions to your client.\”
    **You read the policy. Did you ask any questions?
    \”You failed to properly insure the value of the home.\”
    **Did you provide the appropriate values of your home including upgrades completed after you purchased the policy?
    \”You failed to provide a signed waiver.\”
    **Is that required by Louisiana law?

    \”You did not attempt or try to offer benefits to clients during the worst disaster in the history of the USA?\”
    **Benifits are provided based on policy coverage. If it\’s covered, it\’s paid. A lot of people got paid.

    Keep in mind that not all claims people are not the same. There are different skill levels and after Katrina many fresh independent claims adjusters were hired by all insurance companies.

    In any field, errors will be made. The true test of a company is how they handle correcting the errors.

  • February 6, 2007 at 11:09 am
    No Good Neighbors says:
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    You know this is not about human error,
    this is about human deception, betrayal in mankind. While we are a forgiving nation, we do not forget.

    This is about how the Industry treated their own clients during the worst natural disaster in history.

    This is about what the Industry did and
    did not do, to assist their clients.
    How the Industry tried to deny claims,
    after they were paid large sums, for many years.

    Insurance: to pay sums of money to guarantee financial protection

  • February 8, 2007 at 8:24 am
    Mark says:
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    No, you\’re wrong. This is about business.

    Like it or not, this is not about helping your neighbor, or fellow citizen; it\’s about the business of insurance.

    It\’s not about deception or betrayal, even if that\’s what you want to believe. It\’s about paying what is owed under a contract.

    If you don\’t like the free market ecconomy we have in this country, get out. Find a socialist country you like, and move there. Don\’t forget to change your citizenship, also. I\’m sure you can find what your looking for… someone to take care of you; to hold your hand; to read and understand the contracts you sign.

    A.M.F.

  • February 18, 2007 at 7:04 am
    muggy says:
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    Do you all work For State Farm??? If not what Insurance company? Just would like to know.

  • February 18, 2007 at 7:11 am
    muggy says:
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    I Just would like to say I am so sorry. The Great People of this county do care . I see and so do a lot of others. God knows to.



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