My house was damaged/destroyed by some combination of wind and storm surge. Who pays and how much?
A. This is a question which cannot easily be answered without all the facts. For partial losses (no matter when they occurred) and for total losses occurring after June 1, 2005, the damage will be apportioned between your wind and flood coverage. This will initially be done by the adjuster or adjusters assigned to your claim. If the same adjuster is adjusting both your wind and flood claims, be extra cautious. We see this as an irreconcilable conflict of interest, but it is a practice which is widely utilized by the insurance industry with the excuse that there is a shortage of adjusters. How your losses are apportioned is important because your flood coverage may be substantially more restrictive than your wind coverage. You do not have to accept the apportionment made by the wind and flood adjusters. If you have a situation like this, you need to consult with competent counsel or an experienced public adjuster.
Related Questions
- My home was damaged by the storm surge from Hurricane Ike. Will my Texas Windstorm Insurance Association (TWIA) dwelling policy provide coverage for damage caused by storm surge or flood?
- JUSTICE PIERCE: So you’re sequencing, if 95 percent of the home was destroyed, and then we have the event of the storm surge, then you would not pay a dime?
- My house was damaged/destroyed by some combination of wind and storm surge. Who pays and how much?
