Will home owners insurance cover structural damage caused by wind erosion?
My posts which discussed the roof damage claims denied by TWIA (See Internal Texas Windstorm Roofing Claims Memo Explains Damage is Not Covered, The TWIA Roof Damage Memo: Checking Basic References to Resolve Adjustment Questions, Roof Repair Methods Prove TWIA is Wrongly Denying Roof Claims, and “Physical Direct Loss” Caselaw and TWIA’s Roofing Memo) resulted in a number of comments. The author of the internal TWIA memo is Reggie Warren. He is in TWIA’s claims management of TWIA and gave powerpoint presentations to Hurricane Ike catastrophe adjusters. We are in the process of collecting as much information as possible about Mr. Warren, since he appears to set TWIA’s claims policy. An internet article provided to me contained an open letter to Reggie Warren about improper roof adjustments two years before Hurricane Ike struck: “Let’s review; ~ Allstate has 35,000 South East Texas Hurricane Rita claims. ~ Allstate, using Pilot Claim Service, sets the stage for invisibly transferring the
Depends on your particular insurance plan, but most probably not. http://geology.com/articles/homeowners-insurance.shtml Homeowners Insurance Does Not Cover Many Types of Damage Earthquake, expansive soil, flood, hurricane, landslide and subsidence damage usually not covered! homeowners insurance policy Earthquakes Expansive Soils Floods Hurricanes Landslides Subsidence “All Perils” Means: Learn About the Geology Every year in every state many property owners discover that their homeowners insurance policy will not pay when their homes are damaged by common geological processes such as earthquakes, expansive soils, floods, hurricanes, landslides and subsidence. These homeowners probably had the impression that their “all perils” insurance policy would pay for almost any type of damage that their home would experience. I felt the same way when I purchased my first homeowners insurance policy. I distinctl
