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Left out to dry
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Thu Jul 17, 2008 10:21:26 CDT
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Comment From: Taxpayingregisteredvoter  (Report this comment as a violation)

Too late now... Dolly knocking at the door.... see me after landfall. Comment From: Taxpayingregisteredvoter  (Report this comment as a violation)

I invite anyone to come by my office and bring your current policy regardless of the company. I will be glad to sit down and go over it with you. I take pride in going line by line over the coverage offered by the company I represent as it is the best policy on the market. It may not be the cheapest, but it is the best. You get what you pay for. My office is located at 1904 N Navarro (361-580-3276).

Your homeowners insurance is not something to have explained to you over the phone. I highly recommend you do it face to face. With hurricane season upon us, now is the time. If you want to see how your company's policy compares to other companies, go to www.opic.state.tx.us/homeowner.php

Don't wait until it's too late.

Comment From: leftthistown  (Report this comment as a violation)

The walls are still standing & yet the roof is gone? That could have tipped them off. Comment From: texasgirl4sure  (Report this comment as a violation)

OK I only have one thing to say why is it that insurance companies don't mind taking your money on a regular basis but as soon as you have to claim something they either drop you or have a reason why they can't pay. Maybe it does state that the roof wouldn't be covered but maybe the roof wasn't what caused the problem here maybe the walls were the problem from the tornado. How can the insurance company prove otherwise, so be it they don't pay for the roof but they should have to pay for the rest of the house that was damaged by the storm since that was covered in the policy. Comment From: gogreen  (Report this comment as a violation)

This article caught my eye because I have had RVOS insurance since 1999. I realize that this family is having hard times but they have also known for 9 years that the roof wouldn’t be covered in the event that something like this happened due to the pitch problem and the restriction that was but on the roof. This is something the homeowner knew about. Sorry…that’s just common sense. I have filed two claims with RVOS insurance (one was a roof claim) and had no problems in getting my claims resolved quickly. As a homeowner there are responsibilities that we should all take to keep our homes maintained. Nine years has been plenty of time to resolve this. Comment From: bighorn  (Report this comment as a violation)

Perhaps an insurance person, or former insurance can help....."errors and ommisions"? Isn't that in the event of a "problem" with a policy that excluded or was explained properly?

I mentioned this once will wrestling with a claims agent, and the disagreement went away in a hurry.... Comment From: leftthistown  (Report this comment as a violation)

If one insurance company won't insure the roof another will. We had one company turn us down due to the roofs age & yet another didn't have any issues with it. Whats the point of having homeowners if it doesn't cover the roof...odds are thats the originator of most problems. I do feel badly for the family but had they corrected what was wrong with the roof sooner this would not be an issue. He does work for a construction company, I'm sure he could've added some pitch to the roof if that was indeed the issue. Comment From: tstorm5  (Report this comment as a violation)

grandpa and bighorn, I agree with what you are saying.

Insurance companies or I should say agents aren't known for their straight shooting "all on the up and up" dealings. If you walk in uninformed, they will take advantage of you just as quickly as the worst car salesman will.

The story in the Advocate does pretty much state that the roof was listed as being not covered in the policy.

Such is life!!! Comment From: bighorn  (Report this comment as a violation)

If they claim to have "not understood" what type of insurance they were buying "to save some money", they should let the agent know they intend to file under his "errors and ommissions" coverage. They'll get some of his attention then.

If they understood the roof was not covered, they hosed themselves. Comment From: grandpa55  (Report this comment as a violation)

Wouldn't the world be a better place if insurance companies paid everybody's claim regardless of whether or not it was covered on their policy? Then the insurance companies could increase everyone's rates to pay for this "universal colverage". What a deal!!!

The article very clearly states that the policy had a roof restriction placed on it when it was written. Basically, the company agreed to insure the home but not the roof. Anybody with any common sense will understand this to mean the the roof was in bad enough shape that it wasn't insurable to start with. And by the way that was in 1999. Just think about how much worse it must have gotten over those 9 years.

The writer was obviously trying to manipulate public sentiment against this company. Termites! C'mon! What insurance company pays for termite damage?

I do feel sorry about the situation the family is in but it is not the insurance company's fault. Had they fixed their roof and gotten the restriction removed they be fine. This is nothing but the newspaper manipulating people's emotions at the expense of RVOS. Comment From: tstorm5  (Report this comment as a violation)

Some good info..I did this after a similar situation happened to me

1) Get your policy in front of you
2) Call your agent
3) Explain this will be a lengthy phone call
3) Tell him/her you want to go through every item, number, and definition on the policy
4) Tell them you are not hanging up until every item is explained to your satisfaction.
5) If you don't understand something, ask them to explain it.

After all the money spent on insurance, if they are worth a darn, they will be happy to help you.

I suggest everyone do this. I found out a few things that weren't the way I wanted them to be and it was costing me a small fortune.

Comment From: watchingyou  (Report this comment as a violation)

most insurance companies are like this. you must read the tiny tiny print, because they will come back and jerk you around. Farm Bureau is the same way...i once had problems with them. You pay an arm and a leg for insurance that you MUST HAVE...and then when you need them they come out with all of these clauses that they have... Comment From: TxBohemian  (Report this comment as a violation)

Sad story. This family really has their hands full.

Although not anyway near this severe, I've had dealings with RVOS insurance. Enough to were I am looking for another company once this years policy runs out.
They send us an insulting amount for repairs on a bath that two local companies estimated three times that amount to fix, and this bath is nothing exravagant by no means. Once I approached them about it they backed tracked and claimed they used an outdated price book and sent us more money, still not close tough.
I may find out other insurance companies work the same way, I don't know, but unfortunatly I do know now how RVOS works.