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CDUB98
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9:53a, 9/9/24
AG
Just a plug for Amica here.

We've been with them for several years now. This past year, our premium was only raised 3%. We started a claim online the day after Beryl hit and they had an adjuster out the very next day.

Maybe it was simply a case of getting in line first, but in general, over the years, their customer service has always been top notch.

We ended up cancelling the claim as the damage would cost more to our premiums than us paying to fix things, but they were great through it all.
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htxag09
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In reply to CDUB98 • 10:01a, 9/9/24
AG
This isn't a dig on you, we did similar.

But what a time….insurance premiums are double what they were a few years ago and we can't even use the insurance we pay for because it doesn't make financial sense after premium increases for having a claim on record….and we're praising them for it
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AgLA06
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In reply to Cromagnum • 10:01a, 9/9/24
AG
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?
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AlaskanAg99
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10:12a, 9/9/24
AG
The crazy part is it isn't even wild yet what's going to happen for insurance.
Harris County Flood Control has been (or due to FEMA) dragging their feet to release to public review the adjust 100 year flood plain changes. So many people are going to see changes to their coverage, or the requirement to carry flood insurance when their homes are moved into the 100yr floodplain.
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CDUB98
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In reply to htxag09 • 10:13a, 9/9/24
AG
htxag09 said:
This isn't a dig on you, we did similar.

But what a time….insurance premiums are double what they were a few years ago and we can't even use the insurance we pay for because it doesn't make financial sense after premium increases for having a claim on record….and we're praising them for it
Understand your frustration.

Our deductible is 1.5% of insured value, so pretty low. A $5-7k claim isn't worth the premium increase to get just above what we would pay out of pocket anyway.
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CDUB98
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In reply to AlaskanAg99 • 10:14a, 9/9/24
AG
AlaskanAg99 said:
The crazy part is it isn't even wild yet what's going to happen for insurance.
Harris County Flood Control has been (or due to FEMA) dragging their feet to release to public review the adjust 100 year flood plain changes. So many people are going to see changes to their coverage, or the requirement to carry flood insurance when their homes are moved into the 100yr floodplain.
Our flood insurance has DOUBLED since Harvey, and we are in Zone X, the safest.
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PJYoung
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10:19a, 9/9/24
AG
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P.H. Dexippus
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In reply to AgLA06 • 10:27a, 9/9/24
AG
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained its ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?

"It just needs repair, not replacement"

and/or

"It needs replacement, but it's an older roof with 0% ACV".
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Ag06Law
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In reply to PJYoung • 10:30a, 9/9/24
AG
PJYoung said:
And buddybee or whatever that dork's name is disappointedly scurries off to his hole to await the next chance to come on here and predict our impending doom.
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jenn96
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In reply to P.H. Dexippus • 10:30a, 9/9/24
AG
P.H. Dexippus said:


"It needs replacement, but it's an older roof with 0% ACV".


Ding ding ding. I feel like this is basically what is happening everywhere. The 30 year roof that you pay a premium for is now basically uninsurable after 10 years.
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mm98
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In reply to P.H. Dexippus • 10:36a, 9/9/24
AG
P.H. Dexippus said:
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained its ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?

"It just needs repair, not replacement"

and/or

"It needs replacement, but it's an older roof with 0% ACV".
This is me currently. I have a 24 year old house. Insurance adjuster estimated $17,000 to fix my roof, and after my 2% deductible and 50% ACV, I'm getting a check for $2,600.

This wasn't a surprise as my last few years I've had to seek out policies that only offered ACV, but still stings.
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Cromagnum
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In reply to AgLA06 • 10:46a, 9/9/24
AG
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?


I have bare plywood decking exposed as it ripped tons of shingles and underlayment off. They just want me to patch it and say I don't need a new roof.
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94chem
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In reply to Cromagnum • 10:59a, 9/9/24
Cromagnum said:
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?


I have bare plywood decking exposed as it ripped tons of shingles and underlayment off. They just want me to patch it and say I don't need a new roof.
Put it on yourself if the decking isn't damaged.
94chem,
That, sir, was the greatest post in the history of TexAgs. I salute you. -- Dough
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P.H. Dexippus
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11:00a, 9/9/24
AG
Latest NOAA report moves Francine's landfall further east, to due south of Kaplan, LA
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CFTXAG10
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In reply to P.H. Dexippus • 11:03a, 9/9/24
AG
P.H. Dexippus said:
Latest NOAA report moves Francine's landfall further east, to due south of Kaplan, LA
Good news for Beaumont/Lake Charles
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Cromagnum
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In reply to 94chem • 11:12a, 9/9/24
AG
94chem said:
Cromagnum said:
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?


I have bare plywood decking exposed as it ripped tons of shingles and underlayment off. They just want me to patch it and say I don't need a new roof.
Put it on yourself if the decking isn't damaged.


I have a bad neck and back (previous surgery). Plus I've already relocated so it's not an option anyways.
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Al Bula
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11:13a, 9/9/24
AG
Acadiana, turn up!

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AlaskanAg99
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In reply to CDUB98 • 11:24a, 9/9/24
AG
CDUB98 said:
AlaskanAg99 said:
The crazy part is it isn't even wild yet what's going to happen for insurance.
Harris County Flood Control has been (or due to FEMA) dragging their feet to release to public review the adjust 100 year flood plain changes. So many people are going to see changes to their coverage, or the requirement to carry flood insurance when their homes are moved into the 100yr floodplain.
Our flood insurance has DOUBLED since Harvey, and we are in Zone X, the safest.


Nationwide the FEMA reserves is not sufficient to cover claims so the cost of insurance has to go up. Mine has also doubled and I am also in Zone X.

No idea how high costs for those in the 100yr have gone up but they must. The kicker is most (but not all) the 500yr may become the 100yr. Those with mortgages will be required by the bank to carry flood insurance. Surprise!!
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Zobel
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In reply to jenn96 • 11:28a, 9/9/24
AG
seems like if the coverage declines on depreciation based on ACV your premium should go down also
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Fan
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In reply to jenn96 • 12:36p, 9/9/24
S
jenn96 said:
P.H. Dexippus said:


"It needs replacement, but it's an older roof with 0% ACV".


Ding ding ding. I feel like this is basically what is happening everywhere. The 30 year roof that you pay a premium for is now basically uninsurable after 10 years.
It's gotten ridiculous. We just sold our Houston home. The roof was about 12.5 years old, and our realtor warned us the buyers might have a hard time getting insurance.
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mAgnoliAg
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1:33p, 9/9/24
AG
My dad's family is from Kaplan. Some still live there.
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William Foster
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In reply to Zobel • 1:33p, 9/9/24
Zobel said:
seems like if the coverage declines on depreciation based on ACV your premium should go down also
Your premium should NEVER go down / Insurance companies
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jenn96
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In reply to Zobel • 1:44p, 9/9/24
AG
Zobel said:
seems like if the coverage declines on depreciation based on ACV your premium should go down also

And yet…
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one MEEN Ag
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In reply to Zobel • 1:45p, 9/9/24
AG
There is always a gotcha. Even with ACV on an old roof my estimated premiums were sky high because there was an increased risk of water intrusion. Also, insurance companies knew that fewer companies were quoting the house, and so they took an opportunity to squeeze. And this was pre-covid.

Again, I've said it on this board before I think there is a gaping hole in insurance offerings that is barebones protection that heavily screens potential applicants. I'd pay 1200 for basically fire only/catastrophic loss insurance.

I think I could find 500 other responsible homeowners and make it a version of medishare.
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94chem
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In reply to Cromagnum • 2:32p, 9/9/24
Cromagnum said:
94chem said:
Cromagnum said:
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?


I have bare plywood decking exposed as it ripped tons of shingles and underlayment off. They just want me to patch it and say I don't need a new roof.
Put it on yourself if the decking isn't damaged.


I have a bad neck and back (previous surgery). Plus I've already relocated so it's not an option anyways.
Gotcha. But if you need a decent fix, a handyman with a bag of shingles and some Tyvek could do a pretty good job in an afternoon if you don't have any rot or structural damage.
94chem,
That, sir, was the greatest post in the history of TexAgs. I salute you. -- Dough
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histag10
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In reply to Cromagnum • 2:38p, 9/9/24
AG
Cromagnum said:
94chem said:
Cromagnum said:
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?


I have bare plywood decking exposed as it ripped tons of shingles and underlayment off. They just want me to patch it and say I don't need a new roof.
Put it on yourself if the decking isn't damaged.


I have a bad neck and back (previous surgery). Plus I've already relocated so it's not an option anyways.


Your roofing company should have covered and sealed the holes in your roof after photos were taken for insurance... and should have checked back in on you after each rain to make sure its holding.
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LostInLA07
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2:45p, 9/9/24
AG
It's currently much further west than the models predicted. White is actual and red was predicted.


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TRM
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In reply to LostInLA07 • 2:52p, 9/9/24
AG
I'd be happy with that track as I'd much rather it make landfall in northern Mexico and drop a ton of rain in Falcon and Amistad.
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V8Aggie
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In reply to TRM • 3:29p, 9/9/24
AG
TRM said:
I'd be happy with that track as I'd much rather it make landfall in northern Mexico and drop a ton of rain in Falcon and Amistad.


So you're saying we could use the rain?
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CDUB98
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In reply to V8Aggie • 3:31p, 9/9/24
AG
V8Aggie said:
TRM said:
I'd be happy with that track as I'd much rather it make landfall in northern Mexico and drop a ton of rain in Falcon and Amistad.


So you're saying we could use the rain?
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maroon barchetta
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In reply to CDUB98 • 3:39p, 9/9/24
CDUB98 said:
V8Aggie said:
TRM said:
I'd be happy with that track as I'd much rather it make landfall in northern Mexico and drop a ton of rain in Falcon and Amistad.


So you're saying we could use the rain?


Gawd
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PJYoung
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4:06p, 9/9/24
AG
Track shifted west but it's still got a bullseye for the middle of Louisiana.

NHC:

Quote:
While the system has reformed a bit west of the previous track, the overall thinking has
not changed much, as Francine will be moving around the periphery of
a mid-level ridge centered over Cuba, and an upper-level trough
propagating into Texas. This trough will ultimately shift the track
of a more vertically deep Francine northeastward tomorrow with
gradual acceleration until the storm makes landfall sometime between
48 to 60 h.

They are expecting landfall as a weakening Cat 2 due to shear.
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Cromagnum
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In reply to histag10 • 6:02p, 9/9/24
AG
histag10 said:
Cromagnum said:
94chem said:
Cromagnum said:
AgLA06 said:
Cromagnum said:
BowSowy said:
Post holes and cromagnum's roof (which I feel like has been getting completed "next week" for months now)


Dude. It's been a ****show. State Farm took 2 months to finally tell me they aren't covering it, and it's rained it's ass off ever since they told me that. I could have had this ***** fixed 5-6 weeks ago.
How does an insurance agency justify not paying for roof damage after a hurricane unless it was a neighbors tree?


I have bare plywood decking exposed as it ripped tons of shingles and underlayment off. They just want me to patch it and say I don't need a new roof.
Put it on yourself if the decking isn't damaged.


I have a bad neck and back (previous surgery). Plus I've already relocated so it's not an option anyways.


Your roofing company should have covered and sealed the holes in your roof after photos were taken for insurance... and should have checked back in on you after each rain to make sure its holding.


They did and have. They patched it like 24 hours after Beryl, which is why I'm using those guys.
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GoAgs11
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6:30p, 9/9/24
Hopefully shifts west my lawn could use the rain
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BowSowy
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In reply to GoAgs11 • 6:41p, 9/9/24
AG
Weakest troll attempt of all time
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