[ritewingwarrior]

The issue is that when you also have flood insurance, like my neighbor did, the insurance companies fight back and forth as to who is responsible. 2.5 years and no resolution and the attorney's hired to sue for this poor old man, who lost his entire life, has no time frame to resolve it. I am very pro business but this is total crap.

[gridlock]

If the courts can't operate efficiently, that's the government's fault. But the fact that people bought the wrong insurance is not the government's fault.

[dawn53]

I know that's a disadvantage to having both...having to figure out what is flood and what is wind damage. No insurance company is your friend. Unfortunately, you can be a loyal customer for years and once you make a claim....they'll drop you like a hot potato, or fight you every step of the way. Sad but true!

[Can i say that here?]

Are you familiar with the Mierzwa court decision that strongly impacted claims settlements from the 2004 storms? A Florida judge ruled that when multiple perils (storm surge/wind) make a home a total loss, the H/0 insurance owes policy limits regardless of what percentage of the loss was caused by wind.

The state legislature decided in 2006 that the judge had incorrectly interpreted the law, but their new legislation would not be retroactive.

It was a bad ruling that cost insurer millions of dollars. They have no choice but to try and fight.