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05-11-2018 08:38 AM
Just wondering can folks there buy volcano insurance? Is it offered
thru your homeowners policy ?
Do they consider that an act of God ?
05-11-2018 08:58 AM
State Farm
What is covered
What isn't covered
05-11-2018 09:16 AM
@SharkE I don’t live in Hawaii but my DH works in the insurance industry.We actually talked about this the other day.There is no specific coverage you can buy for volcano damage.However,Homeowners policies may cover part of the damage.For example,if the eruption causes a fire the damage it causes would likely be covered.If ash covers your property but causes no damage the cleanup would not be covered.If your car is damaged you would look to your auto policy for possible coverage.
Policies need to be examined closely as different companies may cover more or less depending how they’re worded.You should also never take the insurance company’s word for it.You should always read the policy yourself.Sometimes things are open to interpretation & can be challenged.
About 10 years ago I sustained some water damage to my home.The company denied the coverage.I went back to the policy & found where they were wrong.DH agreed with me!! I faxed them the portion of the policy in question.They paid my $3000 claim!!
05-11-2018 10:22 AM
As we sit and watch the news on this we got to thinking if those poor people who were in the path of this mess just lost their homes, etc.
Gees, we aren't safe any where it seems.
I'm in Texas, but, OK gets lot more and worse tornadoes then we do.
Up in Ind. last night I couldn't even talk to sister she was being clobbered
by hail up around Evansville.
Yeah, I'd read policy and ask plenty of questions if I lived over there. We took
a vacation over there yrs. ago. Sure, it's pretty, but, I don't want to live around water. Hazards, are every where !
05-11-2018 10:26 AM
Words of truth @NicksmomESQ.
I just had it out with State Farm over an auto accident. Kid with a stop sign didn't stop and hit me. They needed to do an investigation to determine who was at fault.
Really? Let's ask the kindergarten class when they get in who's at fault when one person has a stop sign and the other one does not.
It took them about 10 seconds after weeks of nonsense before they found the kid who also got a ticket by a real police officer (me clean!) 100% responsible. No kidding. My exact response when they finally made the call.
I hope these poor people are treated better by their insurer. I do my job every day. The insurance peeps need to do their's too. There are real people with lives interrupted here that need to get back to normal ASAP.
05-11-2018 10:50 AM
i was just thinking of that commerical on t.v. now about air condtioner is not covered but volcanic eruptions and zombies are coming is covered. it is a cute commerical
05-11-2018 10:54 AM - edited 05-11-2018 11:00 AM
@SharkE wrote:As we sit and watch the news on this we got to thinking if those poor people who were in the path of this mess just lost their homes, etc.
Gees, we aren't safe any where it seems.
I'm in Texas, but, OK gets lot more and worse tornadoes then we do.
Up in Ind. last night I couldn't even talk to sister she was being clobbered
by hail up around Evansville.
Yeah, I'd read policy and ask plenty of questions if I lived over there. We took
a vacation over there yrs. ago. Sure, it's pretty, but, I don't want to live around water. Hazards, are every where !
Per living in Texas. When my husband went in to the service (Air Force) he was Texas. First day he's there he looked out the window and saw a twister coming toward him. He was so scared he could not speak. Just kept stuttering and pointing out the window!
I visited Dallas once. I was so impressed and excited. Then I want outside in the heat......I thought I had died.
Tornados in the U.S. 4 times MORE then any part of the world. North America is awful when it comes to tornados.
https://en.wikipedia.org/wiki/Tornadoes_in_the_United_States
05-11-2018 11:22 AM
@Laura14 wrote:Words of truth @NicksmomESQ.
I just had it out with State Farm over an auto accident. Kid with a stop sign didn't stop and hit me. They needed to do an investigation to determine who was at fault.
Really? Let's ask the kindergarten class when they get in who's at fault when one person has a stop sign and the other one does not.
It took them about 10 seconds after weeks of nonsense before they found the kid who also got a ticket by a real police officer (me clean!) 100% responsible. No kidding. My exact response when they finally made the call.
I hope these poor people are treated better by their insurer. I do my job every day. The insurance peeps need to do their's too. There are real people with lives interrupted here that need to get back to normal ASAP.
@Laura14 You’re your best advocate!! After I faxed the section of the policy over to the claims adjuster he called me.He said he had never seen that wording before.He called the underwriter who told him my damage was covered. That language has since been rewritten. Apparently, it was an underwriting error!! Lol!!
05-11-2018 11:25 AM
@NicksmomESQ wrote:
@Laura14 wrote:Words of truth @NicksmomESQ.
I just had it out with State Farm over an auto accident. Kid with a stop sign didn't stop and hit me. They needed to do an investigation to determine who was at fault.
Really? Let's ask the kindergarten class when they get in who's at fault when one person has a stop sign and the other one does not.
It took them about 10 seconds after weeks of nonsense before they found the kid who also got a ticket by a real police officer (me clean!) 100% responsible. No kidding. My exact response when they finally made the call.
I hope these poor people are treated better by their insurer. I do my job every day. The insurance peeps need to do their's too. There are real people with lives interrupted here that need to get back to normal ASAP.
@Laura14 You’re your best advocate!! After I faxed the section of the policy over to the claims adjuster he called me.He said he had never seen that wording before.He called the underwriter who told him my damage was covered. That language has since been rewritten. Apparently, it was an underwriting error!! Lol!!
@NicksmomESQ Good for you! My hero! I am currently having it out with Chase over nonsense as well. I just sent them a letter letting them know I have done their job for them now fix the error!
05-11-2018 12:15 PM
Not mentioned was that it does not cover a Zombie Apocalypse, either!
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