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 Posted: Sat Nov 01, 2008 1:31 am Post subject: |
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| That really is good news mm ike. It sometimes takes something bad to happen for us to relize just how import having insurance really is. Thankfully you already had this covered by having renters insurance. I think it is great that you are passing the word around to your friends about the importance of insurance. They will probaly thank you for this someday. |
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fireyone
Senior member
Joined: 07 Jan 2008
Posts: 1988
0.06 Dollars($)
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| Posted: Sun Mar 01, 2009 8:26 pm Post subject: |
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Hi. I'm new here and I have a question. If this isn't the proper venue for asking, please excuse me.
My mother lives in Houston. She is medically compromised in that she is required to be on oxygen 24 hours a day for severe COPD. When Ike hit, she lost power like everyone else. Thankfully, she had very minimal damage to her property - fence blew down, tree limbs downed, etc. But no damage to her house. But because her oxygen machine is electric, she could not stay there until her power was restored. She has loss of use in her homeowners policy, but the adjuster said it would only cover her living expenses if her house was damaged to the point of being unlivable. I understand that rationale but in her case, the lack of electricity made her home unlivable for 2 weeks because she requires oxygen. Is this something she can dispute?
Thanks for your time. |
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tcinsatx
New member
Joined: 01 Mar 2009
Posts: 1
1.55 Dollars($)
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| Posted: Mon Mar 02, 2009 8:04 am Post subject: |
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| Man if I was the adjuster on this one, I would have fought for ALE coverage for this one. Would I be wrong, sure.... but I would have still fought for it. |
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Dasfuk
Senior member
Joined: 27 Feb 2008
Posts: 493
Location: Ohio
112.71 Dollars($)
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| Posted: Mon Mar 02, 2009 9:43 am Post subject: |
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I think the best way to know your options is by reading the policy document. You need to read the definition of ‘loss of use’ along with the exclusions. Have you received the denial in written? If its not in their letter head, the claim is still open for negotiation.
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PhoenixAz
Guest
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| Posted: Mon Mar 02, 2009 9:48 am Post subject: |
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| Das, I too think on the humanitarian ground the insurance company should acknowledge the additional living expenses claim on this. What would you suggest to the poster in this regard? Does she have any chance? If so, how would she proceed? |
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simon
Senior member
Joined: 28 Sep 2005
Posts: 526
90.04 Dollars($)
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| Posted: Tue Mar 03, 2009 1:10 am Post subject: |
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| I know that in most policies that I have read, there has to be sudden and accidental direct physical loss to the dwelling for ALE to kick in, or damage to neighboring property that is a covered peril. Both would have to make the home uninhabitable. The key word that companies stick to is “direct physical damage”. In this case there seems to be no direct physical damage, but it can’t hurt to push the issue. |
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Dasfuk
Senior member
Joined: 27 Feb 2008
Posts: 493
Location: Ohio
112.71 Dollars($)
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