[StBernard] Arbitration

[Westley Annis]

Jer,

Everyone has to read their particular insurance policy and how it reads. For

example, I have State Farm and when you read my policy, it has a very 
specific exclusion for any type of flood at all. They say it clearly every 
different way they can think of to word it. My policy lists all the various 
ways that water can come into a house and it excludes all of them except 
rain that enters from a damaged roof. It excludes rising water whether it's 
wind blow or not, or pushed in by wind or not. It specifically says it that 
way, so they don't care about storm surge being blown in. And it says flood 
insurance must be purchased separtely. They will not give you a break and 
will only cover what they absolutely must as spelled out in the policy and 
that can vary from policy to policy. So I think that is why this difference 
in some people's strategy in dealing with the companies. I agree the surge 
was pushed in by the wind, but if you would sue, at least my policy and the 
way it reads, I don't think I would win with that argument so I will just 
try to get as much as I can playing by their rules. Your policy may read 
differently so you should try to figure out how you can get the most money 
with yours. Good luck, Laurie