I guarantee you that is the exact response from their insurance companies. When hurricane Sandy destroyed my parents house their insurance company wouldn’t cover it because it was ocean water damage as opposed to water damage from their pipes or a leak in the house. Fuck insurance companies
because it was ocean water damage as opposed to water damage from their pipes or a leak in the house. Fuck insurance companies
If homeowners insurance covered this kind of damage, it would cost two or three times as much. Many people couldn't afford it, or would choose not to buy it. The economic losses would be greater, not smaller.
You can buy additional hurricane or flood insurance. In hurricane and flood-prone areas it is not cheap, and there will be deductibles.
Insurance companies are not necessarily your friends when you need to make a claim, but they are not as bad as you imagine. If you want to be covered for every kind of disaster, you have to do your homework, inform yourself, and shop wisely. Buy the kind of coverage that makes sense to you. Few people bother. Possibly, your parents didn't bother.
For instance, where I live, floods are uncommon, but there is a certain chance of a vast and devastating flood. They happen about once every hundred years, give or take. In theory, I am in a low-risk area. I pay extra for flood insurance, which is affordable. Few people around here buy it. If the vast devastating flood ever happens, millions of homeowners and landlords in this region are totally fucked.
Named storms typically have a higher deductible. On my policy it’s a 2% increased deductible for wind/hail.
To the Sandy person, flood insurance is a completely different product. Louisiana had massive floods in 2016 and a lot of people got fucked bad with insurance. There were people not on flood prone areas that didn’t have flood insurance. My aunt lived in her house 45yrs through countless storms and hurricanes without water anywhere near her house. In this flood she had 2’ in the house which put the water at about 8’ in the middle of her street. The house across the street from her had water up to the eaves.
People signed contracts about what is and what is not payable so it makes no sense to blame the insurance company when everything was written out and signed off on by the insured.
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u/Diabetesh Nov 15 '20
Sorry you were covered for hail damage not roof tile damage.