2021 texas catastrophe insurance claims

[Hagbard Celine 10880]

what's getting covered, what they are trying to welch on, what agents are saying, claims process, what the inspectors are saying, do we get lube or no lube at all

[deadshank 24653]

Read your policy.

You will find out.

Agents, for the most part, are stupid.

Call the 800 number, get a claim number, get a scope of loss and show the scope of loss to the contractor you would like to use.

You will find out.

You will find out.

 

[Hagbard Celine 10880]

my agent was in claims for 10+ years and insisted he wanted to file the claim for me

he said everything would be covered - and then hedged that the inspectors would determine what would be covered

have not heard from inspector yet

[washparkhorn 9939]

Read your policies.

Pay attention to deadlines.

[Hagbard Celine 10880]

this thread is for people to report and discuss their experience, not to be lectured with first-grade insurance 101 instructions

[Catpfish 618]

I called on pool equipment and it's supposed to be covered under other structures.  The insurance company had an agent call.  I sent her the estimate and pictures of the damage.  I haven't heard back in a couple of days, but assuming they pay out minus the deductible, they'll be covering about 40% of the damage.  That's better than a sharp stick in the eye.

[T’Boo Ted Marshall 2735]

I would not be surprised to see the gubmint get involved.  There will be massive losses from carriers.  

@Hagbard Celine your agent put his foot in his mouth.  

[deadshank 24653]

4 hours ago, Hagbard Celine said:

this thread is for people to report and discuss their experience, not to be lectured with first-grade insurance 101 instructions

But this is Surly, so.....

[South Austin 52521]

9 hours ago, Hagbard Celine said:

this thread is for people to report and discuss their experience, not to be lectured with first-grade insurance 101 instructions

Always make sure you have your updated insurance card in your glove compartment.

[CleverNickname 1320]

Most policies (I think) require "reasonable efforts" to help frozen pipes only on unoccupied properties. So leave heat on, or turn off water. 

But some policies mention reasonable efforts for freezing pipes, even for non vacant property. I'm a super interested what the heck that means re the age old drip vs cover argument. Or relatedly, is it unreasonable to have neither dripped nor covered.