Q: I have been temporarily displaced because my home was damaged by the hurricane. I'm concerned because I may have premium payments that are due since I left my home. Will my insurance company cancel or non-renew my homeowners and auto insurance policies for non-payment of my premium?
A: Commissioner's Bulletin No. B-0056-08 encourages insurers to suspend the collection of premium payments because of the possible relocation of hurricane victims and other personal hardships sustained by residents of the affected hurricane areas. Insurance companies are not expected to forgive payment of premium, but companies are expected to grant policyholders an extended grace period for the payment of any premium that may be due. The bulletin also encourages companies to work with policyholders in the collection of past due premiums.
You should contact your agent and/or company to determine if you owe any premium and whether the company will grant you an extended grace period.Q. I had to relocate temporarily due to the hurricane. Do I need to worry about my property coverage being in effect if a future loss occurs to my home while I'm temporarily displaced and unable to live in my home?
A: Some policies do not provide any dwelling coverage if the insured moves from the insured dwelling and a substantial part of the personal property is removed from the dwelling. Other policies only exclude certain perils such as vandalism or malicious mischief or the breakage of glass and safety glazing materials. However, Commissioner’s Bulletin No. B-0070-08 encourages insurers to suspend the application of any vacancy provision contained in insurance policies to allow continuing insurance coverage to those who are temporarily displaced because of damage to the insured structure as a result of the hurricane.
The suspension of the vacancy clause is not intended to apply to those who permanently move from their home to another location.
You should contact your agent and/or insurer to verify coverage under your policy and confirm that the insurer is not applying the vacancy provision in your situation.
Q. Can I make repairs to my property immediately?
A. Generally, you should make temporary repairs if necessary to protect your property from further damage. Do not make permanent repairs until an adjuster has inspected the damage. Your policy covers the cost of necessary temporary repairs, so save your receipts for materials and labor. You may wish to take pictures of the damage before making temporary repairs.
Q. Does a homeowners insurance policy provide additional living expense (ALE) coverage during a mandatory evacuation?
A. It depends on your particular policy. Some policies may provide coverage if a civil authority prohibits you from use of the residence premises as a result of direct damage to a neighboring premises caused by a covered peril. This coverage is generally limited for a period of up to two weeks. You should contact your agent or company regarding your specific policy.
Q. Does a homeowners insurance policy provide ALE coverage?
A. If you can´t remain in your home because of loss from "a covered peril," your homeowners or renters policy will pay for staying in a hotel, motel or other temporary shelter. However, payments are limited based on your specific policy provisions. If the damage does force you to move, be sure to tell your insurer where you are and how to reach you by phone. Also, you should leave a note at your damaged residence telling the insurance adjuster how to find you.
Q. When does my ALE begin to cover my expenses?
A. Generally, coverage for additional living expenses begins once a covered peril makes the residence premises wholly or partially untenantable/uninhabitable. You should contact your agent or company regarding your additional living expense coverage.
Q. Does my homeowners policy cover my detached garage or storage shed?
A. Coverage for other structures such as a detached garage or storage shed that are set apart from the dwelling by a clear space is generally the same as your insured dwelling. The total amount of coverage for other structures is usually 10 percent of the amount of insurance you have on your insured dwelling. Some policies may not provide coverage for other structures such as portable buildings or buildings that are used for business purposes. You should contact your agent or company regarding your specific policy.
Q. My home was not flooded by rising water; however, the sewer line backed up and caused damage in my home. Is this covered under my homeowners policy?
A. It depends on your policy. Some policies exclude water or sewage from outside the residence premises plumbing system that enters through sewers or drains. Contact your insurance company or agent regarding coverage.
Q. My house was flooded and I placed my furniture and household items in the front yard to dry out, but they were stolen. Will my homeowners policy cover this loss?
A. It depends on your policy. Even though there is an exclusion for flood losses, many policies contain an exception to that exclusion such as "We do cover an ensuing loss by theft or attempted theft or any act of stealing." Contact your insurance company or agent regarding coverage.
Q. My policy states that if a claim results from a weather-related catastrophe or a major natural disaster, each claim-handling deadline is extended for an additional 15 days. Does this mean that I have coverage under my policy for damage caused by the flood?
A. This language does not alter or amend what is covered by the policy. It merely extends the time requirements of the Texas Insurance Code.
Q. Under a homeowners policy, who determines the cause of damage and who pays for an expert if one is needed?
A. The insurance company usually determines the cause of damage as its adjusters investigate and evaluate the loss. If an expert is required to determine the cause of the loss, the cost is usually borne by the insurance company, but in some cases may be paid by the insured.
Q. My house got water in it from the flood. I had damage to the roof and the roof is sagging and rain water came in through the roof. I don´t have flood insurance, but I do have homeowner´s insurance. What, if anything, may be covered under my homeowner´s policy?
A. If a covered peril such as wind or lightning caused damage to the roof and created an opening, then water damage to your home and personal property resulting from rain water coming through that opening may be covered under the standard homeowners policy.
Q. I´ve received a check from the insurance company, but am not satisfied with the amount. I plan to file a complaint to request additional funds be paid. Should I cash the check? If I cash the check, does it mean that I accept their decision and amount of payment?
A. Be careful about endorsing a check before discussing it with the company. Call the adjuster or company first before cashing the check. Some companies have a release from further liability disclaimer printed on the back of the check. The check may be a partial payment to initiate repairs. Additional funds may be released when you submit proof that repairs have been completed.
Q. How does replacement cost coverage work on policy types such as flood, homeowners, dwelling, and mobile home?
A. Replacement cost coverage replaces/repairs your damaged dwelling or personal property with new material and/or items of like kind and quality. In most cases, you should only be responsible for paying the deductible. Some homeowners and dwelling policies automatically include replacement cost coverage for the dwelling; others may be endorsed for an additional premium; and some may only provide actual cash value. Companies may also offer replacement cost coverage for mobile home policies. You should check with your agent or company to see if your company offers replacement cost coverage on your policy.
Q. I've received a check from my company for damages to my home. It is going to cost more to repair than the amount received. Did they pay me enough for damages?
A. If you have replacement cost coverage, your claim may be paid in two stages. Your first claim check may be for the actual cash value (ACV) of the damaged property. ACV is determined by taking the replacement cost for the covered loss and deducting for depreciation. Once the damaged property is repaired or replaced, you are entitled to receive the depreciation that was previously withheld in your first check up to the replacement cost of the damaged property and not to exceed the actual amount spent or the total amount of insurance on the dwelling. Generally, in order to receive the difference between ACV and replacement cost, the policy contract requires that the repair or replacement be completed within a specific period of time, usually 180 to 365 days from the date of loss. Policies may also provide an option for the insured to extend that time frame if requested in writing as outlined in the actual policy. It is important to check your policy and/or contact your agent regarding the specific requirements of your policy.
If you are not underinsured, you should only be responsible for paying your deductible in most cases. If you believe your company is not offering an amount sufficient to repair/replace your damaged property, minus your deductible, you may want to request appraisal in accordance with the provisions in the policy. Have your company explain the basis for its payment and clarify if additional funds are forthcoming.
Q. What´s the difference between the different types of homeowner policies? How does a dwelling policy differ from a homeowners policy?
A. Homeowners policies may either provide "all risk" or "named peril" coverage. All risk is used to describe policies that typically cover all perils unless specifically excluded in the policy. Named peril means the damage must be caused by a peril that is specifically named or listed in the policy. The homeowners policy provides coverage for the dwelling, personal property, and personal liability. A dwelling policy provides coverage for the dwelling and/or personal property.
Q. Do checks from insurance companies have to be endorsed by both the insured and the mortgage company? Does the same procedure apply to mobile homes?
A. Insurance claims payments for damage to property that is security for a loan must be made payable to the policyholder and the mortgage company, so they would require endorsements from both parties.
Q. What recourse does the insured have if the check was issued directly to the mortgage company? How long can a mortgage company hold money before releasing any to the insured? Can the mortgage company disperse the money in small increments? Can they withhold disbursements?
A. Your insurance company cannot make a check for a claim payable only to the mortgage company. If they do, you should refuse to accept it and demand the check be re-issued to you and your mortgage company.The Texas Insurance Code provides that the mortgage company must, within 10 days after they receive the insurance proceeds, tell you what their requirements are in order to have the funds released. Once you have provided sufficient evidence to show that you have met those requirements, the mortgage company has 10 days to release the funds.
Q. Are plumbing problems/backed up toilets covered by any types of insurance, even after a flood?
A. Some homeowners policies provide coverage for accidental discharge, leakage or overflow from within a plumbing system and if rising flood waters cause toilets to overflow, the loss may be covered. Contact your insurance company or agent regarding coverage.
Q. There is a power outage in my area and we have no utilities in our home. Will my policy pay for a hotel until power is restored?
A. Probably not. The policy will normally only provide loss of use coverage if your home is damaged by a peril covered in your policy and, as a result of the covered damage the residence premises is untenantable or unfit to live in. You must check the specific language in your insurance policy.
Q. I bought my house several years ago and last year my mortgage was bought by another mortgage company. My original company provided flood insurance, but now I find that the new mortgage company did not provide it. What can I do?
A. Mortgage companies are required by statute to ensure that a property in a flood zone has flood insurance. A mortgage company must provide notice to the borrower of the requirement of flood insurance. If the borrower fails to purchase flood insurance, then a mortgage company may purchase flood insurance for the property. For information regarding the statute, contact the Federal Emergency Management Association (FEMA) representative at a Disaster Recovery Center (DRC) or the NFIP. Remember that it is important as a homeowner to ensure that all necessary insurance coverage is in place.
If you have a concern about a private mortgage lender, you should contact the Federal Trade Commission (FTC) at 214-767-5501 or 5503. You may also reach the FTC at www.ftc.gov.
If the lender is a state-chartered savings and loan, or bank, contact the Texas Savings and Loan Department at 512-475-1350.
If the lender is a Federal Chartered Lender, contact the Office of Thrift Supervision at 972-281-2000.
In some instances, the U.S. Department of Housing and Urban Development (HUD) can help. Call HUD at 1-800-669-9773.
Q. Wind caused my tree to fall on my house, which caused damage to my roof. Does my homeowners policy cover the damage to my house and pay for the removal of the tree from my property?
A. If your policy provides coverage for wind, the roof damage caused by the tree is covered. Homeowners policies will not pay for the tree itself; however, most policies pay to remove a tree if a covered peril caused it to fall on and damage covered property. Some policies limit the coverage for removal to 500 per tree and 1,000 per loss. Contact your insurance company or agent regarding coverage.
Q. My neighbor´s tree fell down on my house and damaged my roof. Will my neighbor´s homeowners policy pay for the damage to my home and remove the tree?
A. Probably not. Your neighbor is not legally liable for an act of nature. However, if the tree was dead, your neighbor may be responsible for the damage to your home. If your neighbor´s policy does not pay for your damage, you can make a claim under your policy if the peril that caused the tree to fall is a covered peril in your policy. You should contact your agent and/or company regarding the damage.
Q. Some trees blew down in my yard during a storm. Will my homeowners insurance policy pay for the loss to and removal of the trees?
A. No. Wind is not a covered peril for trees, shrubs, plants and lawns. Removal of the trees is not covered either since they did not fall on or damage covered property.
Q. A windstorm blew my fence down. Will my homeowners insurance cover loss of my fence?
A. If your policy provides coverage for wind, you may have coverage for the fence. Coverage for fences is usually limited to actual cash value which is the replacement cost for the damaged property less depreciation. Some policies do not provide any coverage for fences damaged by wind. You should check your policy and/or contact your agent regarding coverage.
Q. Who should I contact if I have damage to my home as a result of a windstorm and my windstorm insurance is provided through the Texas Windstorm Insurance Association (TWIA)?
A. For questions on policy coverage or filing a claim on your TWIA policy, please contact your insurance agent or contact the TWIA at 1-800-788-8247 or on its website at www.twia.org.
For questions regarding inspections of your property for certification to the Windstorm Building Code, please contact the TDI Windstorm Inspection unit at 1-800-248-6032 or refer to its website at www.tdi.state.tx.us and click on "More Windstorm Info."
Q. During the storm, a tree fell on the roof of my home which allowed rain to enter from the opening made by the tree. I now see mold growing. Do I have coverage?
A. Most homeowners policies will provide coverage for the property damaged by rain that entered through an opening caused as a direct result of wind. Generally, mold is excluded in the homeowners policy; however, some policies will cover an ensuing mold loss caused by or resulting from covered water damage. Coverage for ensuing mold loss would include the reasonable and necessary costs to repair or replace your damaged property. Most policies do not include any additional cost for remediation or testing of ensuing mold unless your policy includes mold remediation coverage.
Q. During the storm, my home was flooded. Does my homeowners policy cover mold damage from the flood water?
A. Typically, homeowners policies do not cover damage caused by or resulting from flood, surface water, waves, tidal water or tidal waves, overflow of streams or other bodies of water or spray from any of these whether or not driven by wind. If there is no flood coverage provided in the homeowners policy, any ensuing mold loss resulting from flood would not be covered under the policy.
Q. Do I have to hire a public insurance adjuster to file and help in the settlement of my auto or homeowner's insurance claim?
A. No. Hiring a public insurance adjuster to assist you in filing a property insurance claim is optional. Public insurance adjusters charge fees to help negotiate claim settlements with insurance companies. Be aware that the public insurance adjuster fee is normally a percentage of the claim settlement and therefore is paid out of settlement monies received from an insurer.
Q. Are there any limitations on the compensation of a public insurance adjuster?
A. Yes, the following limitations apply:
If a claim is settled within 72 hours of the date the loss is reported to the insurance company, the public insurance adjuster is entitled only to reasonable compensation for time and expenses.
The public insurance adjuster's fee may not exceed 10 percent of a claim settlement and must be disclosed in the public insurance adjuster written contract.
Q. Is a public insurance adjuster permitted to be involved in the repair of damaged property for which the public adjuster negotiated settlement?
A. No. The public insurance adjuster may not participate, either directly or indirectly, in the reconstruction or repair of damaged property that is the subject of a claim adjusted by the public insurance adjuster.
Q. Are public insurance adjusters required to be licensed by the Texas Department of Insurance?
A. Yes, a person may not act as a public insurance adjuster in this state or hold himself or herself out to be a public insurance adjuster in this state, unless the person holds a license or certificate issued by the commissioner. You may verify the license status of a public insurance adjuster at www.texasonline.state.tx.us/NASApp/tdi/TdiARManager.
Q. The food in my refrigerator spoiled because of loss of power in my area. Will my homeowners policy pay for the loss?
A. Most homeowners policies will provide up to 500.00 for spoilage of refrigerated or frozen food caused by an off premises power failure, if the power failure is a direct result from peril covered in your policy. If the power failure is a result of physical damage to the dwelling or any equipment contained in the dwelling and is caused by a peril covered in your policy coverage is not limited to 500. Other policies may not provide the 500 for a loss resulting from a power failure off premises unless added by an endorsement.
Q. If I evacuate due to a storm, and my personal property is damaged or stolen while in another location, will my personal property be covered by my auto or homeowners policy?
A. Homeowners policies provide coverage for personal property while away from the insured location or premises. Most policies limit the amount of this coverage to either 10 or 20 percent of the total amount of coverage for personal property. Some policies limit theft coverage for personal property while away from the residence premises at any other residence owned by, rented or occupied by an insured, unless the insured is temporarily living there. Generally, a personal automobile policy will not cover personal property.
Q. Can my insurance company increase my homeowners insurance premium because I filed a claim for hurricane damage?
A. No. State law and regulation prohibits an insurer from increasing homeowners insurance premium because of a claim or claims that are a result of a loss caused by natural causes.
Tuesday, January 27, 2009
Tuesday, January 6, 2009
Auto Insurance FAQ
Auto FAQs
Q: I have been temporarily displaced because my home was damaged by the hurricane. I'm concerned because I may have premium payments that are due since I left my home. Will my insurance company cancel or non-renew my homeowners and auto insurance policies for non-payment of my premium?A: Commissioner's Bulletin No. B-0056-08 encourages insurers to suspend the collection of premium payments because of the possible relocation of hurricane victims and other personal hardships sustained by residents of the affected hurricane areas. Insurance companies are not expected to forgive payment of premium, but companies are expected to grant policyholders an extended grace period for the payment of any premium that may be due. The bulletin also encourages companies to work with policyholders in the collection of past due premiums.
You should contact your agent and/or company to determine if you owe any premium and whether the company will grant you an extended grace period.
Q. My car was flooded. How do you determine if your car should be totaled?A. Whether your car will be totaled is determined on a case-by-case basis like any other loss. Normally, when the cost of repair plus the salvage value equals or exceeds the actual cash value of the vehicle prior to the loss, it will be considered a total. A primary factor is the amount of water in your car. Generally, if water covered your dashboard or electrical components, the car will be totaled.
Q. My car was totaled due to flood damage and I have full coverage on it. The company is going to pay the Blue Book value but I still owe substantially more than that. Doesn´t the company have to pay what I owe on the auto?A. No. The company is only obligated to pay the current market value of your vehicle. You can request that the adjuster explain to you how the value was derived to ensure that all of the vehicle´s equipment, features, upgrades and recent work was considered in determining the value. To cover the difference between the market value of your vehicle and what you actually owe, you would need an endorsement or separate policy, to provide guaranteed auto protection (GAP) coverage.
Q. What will happen to the vehicle´s title if my car is totaled?A. If you own the vehicle outright, you will have to sign the title over to the insurance company. In exchange, they will give you a check for the market value of the vehicle. If you still owe on a car loan, the insurance company will coordinate with you and your lender to have the title signed over to them. In most cases, the insurance company will establish contact with the lender and be advised of the amount owed on the loan. If the insurance company has determined that the market value of the vehicle is 10,000 and the amount owed the lender is 8,000, the insurance company will issue a check for 8,000 to the lender to release the lien on the car. The insurance company will then issue a 2,000 check to you to obtain your signature on the title.
Q. The insurance company requested that I tow my flooded vehicle to a specific location for inspection. Am I responsible for the towing charges?A. No. The insurance company should pay the towing expense by reimbursing you or paying the tow truck operator once the vehicle is delivered at the inspection site. You should not be responsible for the expense since you are assisting the insurance company in a prompt inspection of your vehicle, as well as protecting it from further damage.
Q. The insurance company agreed to repair my vehicle. Can the company require the use of used parts?A. In some cases, used parts and after market parts may be permissible, depending on the age, condition, and mileage of the particular vehicle. Most Texas personal automobile policies require the insurance company to pay the lesser of the following: actual cash value of the property; the amount to repair or replace the property with other of like, kind, and quality; or the amount stated in the declarations page of the policy.
Q. Since my car was flooded, I had to rent a vehicle. Does my auto policy cover the cost of renting a car?A. Your policy will provide coverage for renting another vehicle only if you have an endorsement on your policy for rental reimbursement coverage. Under this coverage, the insurance company will pay up to the limit shown on the endorsement for the reasonable amount of time it takes to repair or replace your vehicle.
Q. Is my vehicle covered for flood damage?A. Only if you carry other than collision coverage, also called comprehensive coverage, on your policy. This information can be found on your policy´s declarations page. If you do not have a copy of your policy, you may wish to check with your agent or company.
Q. What if I do not agree with the settlement offered by the insurance company, particularly the market value amount for my totaled vehicle?A. Ask the adjuster to explain how the settlement amount was derived. If you still disagree, the personal auto policy allows you to demand an appraisal of the loss. There is a specific provision in the policy for appraisal which lists the responsibility of both parties.
Q. My car was washed away in the flood. How do I find out where it is now?A. Contact the Unclaimed Autos department of the area police department. Also, your vehicle may have been towed to a storage facility without your consent. If the vehicle was towed without your consent, and the storage facility wants to charge you a fee, you might contact the Texas Department of Transportation (TxDOT) at 1-800-285-6997 (general information line).
Q. I´ve received a check from the insurance company, but am not satisfied with the amount. I plan to file a complaint to request additional funds be paid. Should I cash the check? If I cash the check, does it mean that I accept their decision and amount of payment?A. Be careful about endorsing a check before discussing your concerns with the company. Call the adjuster or company first before cashing the check. Some companies have a release from further liability disclaimer printed on the back of the check.
Q. How does replacement cost coverage work?A. Replacement cost coverage replaces or repairs your damaged property with new material and/or items of like kind and quality.
Q. Is replacement cost coverage available on all policy types?A. Replacement cost coverage is not available under a typical auto policy. Some insurers provide new car replacement for a limited number of years if the auto is insured when new. You should check with your agent or company to see if they offer replacement cost coverage on all policy types.
Q. If an insured vehicle is financed, how are claim checks issued? If issued to both insured and lien holder, how does insured collect?A. The loss payee endorsement requires the insurer to pay to the insured and the loss payee as their interest may appear. The insured and the loss payee may both be named on the check. The insured and the loss payee will agree on the release of funds.
Q. What is the insured´s recourse if the check made payable jointly to the lien holder and insured is sent directly to the lien holder and cashed without the insured´s knowledge or endorsement on the check?A. That is a legal question that the Texas Department of Insurance (TDI) cannot answer. However, your first step would be to contact the insurer and your lien holder. You can also contact the Texas Department of Banking at 1-877-276-5554 or visit its website at www.banking.state.tx.us.
Q. What determines if a flooded vehicle should be totaled?A. It is determined the same as any other loss. Normally, when the cost of repair plus the salvage value equals or exceeds the actual cash value of the vehicle prior to the loss, it will be considered a total loss.
Q. Does the insured have to agree to have their vehicle totaled if they will be "upside down" on their loan?A. The policy contract states how the loss will be paid and it is the insurance company that decides whether or not to total a car. If the cost to repair exceeds the actual cash value, the company will pay the actual cash value of the vehicle. The insured and the insurance company may negotiate the settlement in which the insured may retain the salvaged vehicle; however the insured would be responsible for the cost of repairs at that point. Insurance coverage for the difference between the actual cash value of a vehicle and the outstanding loan amount can be covered by a GAP endorsement or a separate GAP policy.
Q. Describe how the title on an insured vehicle is processed if the vehicle is determined to be a total loss from flood damage or from collision damage.A. For information about how titles are processed, please contact TxDOT at 512-465-7611.
Q: I have been temporarily displaced because my home was damaged by the hurricane. I'm concerned because I may have premium payments that are due since I left my home. Will my insurance company cancel or non-renew my homeowners and auto insurance policies for non-payment of my premium?A: Commissioner's Bulletin No. B-0056-08 encourages insurers to suspend the collection of premium payments because of the possible relocation of hurricane victims and other personal hardships sustained by residents of the affected hurricane areas. Insurance companies are not expected to forgive payment of premium, but companies are expected to grant policyholders an extended grace period for the payment of any premium that may be due. The bulletin also encourages companies to work with policyholders in the collection of past due premiums.
You should contact your agent and/or company to determine if you owe any premium and whether the company will grant you an extended grace period.
Q. My car was flooded. How do you determine if your car should be totaled?A. Whether your car will be totaled is determined on a case-by-case basis like any other loss. Normally, when the cost of repair plus the salvage value equals or exceeds the actual cash value of the vehicle prior to the loss, it will be considered a total. A primary factor is the amount of water in your car. Generally, if water covered your dashboard or electrical components, the car will be totaled.
Q. My car was totaled due to flood damage and I have full coverage on it. The company is going to pay the Blue Book value but I still owe substantially more than that. Doesn´t the company have to pay what I owe on the auto?A. No. The company is only obligated to pay the current market value of your vehicle. You can request that the adjuster explain to you how the value was derived to ensure that all of the vehicle´s equipment, features, upgrades and recent work was considered in determining the value. To cover the difference between the market value of your vehicle and what you actually owe, you would need an endorsement or separate policy, to provide guaranteed auto protection (GAP) coverage.
Q. What will happen to the vehicle´s title if my car is totaled?A. If you own the vehicle outright, you will have to sign the title over to the insurance company. In exchange, they will give you a check for the market value of the vehicle. If you still owe on a car loan, the insurance company will coordinate with you and your lender to have the title signed over to them. In most cases, the insurance company will establish contact with the lender and be advised of the amount owed on the loan. If the insurance company has determined that the market value of the vehicle is 10,000 and the amount owed the lender is 8,000, the insurance company will issue a check for 8,000 to the lender to release the lien on the car. The insurance company will then issue a 2,000 check to you to obtain your signature on the title.
Q. The insurance company requested that I tow my flooded vehicle to a specific location for inspection. Am I responsible for the towing charges?A. No. The insurance company should pay the towing expense by reimbursing you or paying the tow truck operator once the vehicle is delivered at the inspection site. You should not be responsible for the expense since you are assisting the insurance company in a prompt inspection of your vehicle, as well as protecting it from further damage.
Q. The insurance company agreed to repair my vehicle. Can the company require the use of used parts?A. In some cases, used parts and after market parts may be permissible, depending on the age, condition, and mileage of the particular vehicle. Most Texas personal automobile policies require the insurance company to pay the lesser of the following: actual cash value of the property; the amount to repair or replace the property with other of like, kind, and quality; or the amount stated in the declarations page of the policy.
Q. Since my car was flooded, I had to rent a vehicle. Does my auto policy cover the cost of renting a car?A. Your policy will provide coverage for renting another vehicle only if you have an endorsement on your policy for rental reimbursement coverage. Under this coverage, the insurance company will pay up to the limit shown on the endorsement for the reasonable amount of time it takes to repair or replace your vehicle.
Q. Is my vehicle covered for flood damage?A. Only if you carry other than collision coverage, also called comprehensive coverage, on your policy. This information can be found on your policy´s declarations page. If you do not have a copy of your policy, you may wish to check with your agent or company.
Q. What if I do not agree with the settlement offered by the insurance company, particularly the market value amount for my totaled vehicle?A. Ask the adjuster to explain how the settlement amount was derived. If you still disagree, the personal auto policy allows you to demand an appraisal of the loss. There is a specific provision in the policy for appraisal which lists the responsibility of both parties.
Q. My car was washed away in the flood. How do I find out where it is now?A. Contact the Unclaimed Autos department of the area police department. Also, your vehicle may have been towed to a storage facility without your consent. If the vehicle was towed without your consent, and the storage facility wants to charge you a fee, you might contact the Texas Department of Transportation (TxDOT) at 1-800-285-6997 (general information line).
Q. I´ve received a check from the insurance company, but am not satisfied with the amount. I plan to file a complaint to request additional funds be paid. Should I cash the check? If I cash the check, does it mean that I accept their decision and amount of payment?A. Be careful about endorsing a check before discussing your concerns with the company. Call the adjuster or company first before cashing the check. Some companies have a release from further liability disclaimer printed on the back of the check.
Q. How does replacement cost coverage work?A. Replacement cost coverage replaces or repairs your damaged property with new material and/or items of like kind and quality.
Q. Is replacement cost coverage available on all policy types?A. Replacement cost coverage is not available under a typical auto policy. Some insurers provide new car replacement for a limited number of years if the auto is insured when new. You should check with your agent or company to see if they offer replacement cost coverage on all policy types.
Q. If an insured vehicle is financed, how are claim checks issued? If issued to both insured and lien holder, how does insured collect?A. The loss payee endorsement requires the insurer to pay to the insured and the loss payee as their interest may appear. The insured and the loss payee may both be named on the check. The insured and the loss payee will agree on the release of funds.
Q. What is the insured´s recourse if the check made payable jointly to the lien holder and insured is sent directly to the lien holder and cashed without the insured´s knowledge or endorsement on the check?A. That is a legal question that the Texas Department of Insurance (TDI) cannot answer. However, your first step would be to contact the insurer and your lien holder. You can also contact the Texas Department of Banking at 1-877-276-5554 or visit its website at www.banking.state.tx.us.
Q. What determines if a flooded vehicle should be totaled?A. It is determined the same as any other loss. Normally, when the cost of repair plus the salvage value equals or exceeds the actual cash value of the vehicle prior to the loss, it will be considered a total loss.
Q. Does the insured have to agree to have their vehicle totaled if they will be "upside down" on their loan?A. The policy contract states how the loss will be paid and it is the insurance company that decides whether or not to total a car. If the cost to repair exceeds the actual cash value, the company will pay the actual cash value of the vehicle. The insured and the insurance company may negotiate the settlement in which the insured may retain the salvaged vehicle; however the insured would be responsible for the cost of repairs at that point. Insurance coverage for the difference between the actual cash value of a vehicle and the outstanding loan amount can be covered by a GAP endorsement or a separate GAP policy.
Q. Describe how the title on an insured vehicle is processed if the vehicle is determined to be a total loss from flood damage or from collision damage.A. For information about how titles are processed, please contact TxDOT at 512-465-7611.
Monday, December 15, 2008
8 Tips on Homeowners Insurance
Health insurance and homeowners insurance … both are coverage we know we need but rarely take the time to understand. That is until we need it.
Hurricane IKE’s recent roll through our area sent a lot of Spring Texas homeowners scurrying for their policies. Unfortunately some homeowners were taught a painful financial lesson that they won’t soon forget.
8 things you should know about homeowners insurance?
1. Two Deductibles- Unlike automobile insurance, your homeowner’s insurance has two deductibles.
The first deductible is for wind/hail damage and it is a % of the rebuilding cost. The lowest percentage available is 1% with the deductibles of most insurance companies being 2% to 5%.
The second deductible is for “other perils” which would be fire, lightening, theft, and smoke damage. Insurance companies offer a fixed deductible with the lowest typically being $1,000.
2. Flood Insurance is separate- Flood insurance is NOT included in your homeowner’s insurance policy. The policy has to be purchased separately.
3. Flood insurance is not effective immediately - Don’t wait until hurricane season or until the weatherman says there is a hurricane on the way before securing flood insurance. Because insurance companies require you wait 30 days before your flood insurance policy becomes effective.
4. Does not cover replacement- If you have trees that fell and had to be removed, your homeowner’s insurance does not cover the cost of new trees to be planted in their place.
5. Food spoilage has a deductible - A lot of us experienced extensive power outages due to Hurricane IKE. By the time the power was restored, our refrigerated food had spoiled. Since the spoilage was caused by a wind / hail incident, our food spoilage was part of our wind/hail deductible.If food spoilage was the only damage we experienced, our spoilage would have to be more than 1% of our rebuilding cost before our insurance would kick in. Farmers has coverage on the Texas Family Home Plan of $500 for Food Spoilage with a $100 Ded.
6. Coverage not automatically adjusted - Review your policy annually and make the necessary adjustments to reflect the value of your home and its contents. Don’t put yourself in a position of being under insured. Adjust the value of your policy to match your home’s price appreciation.
7. Watch your renewal terms - Earlier this year, State Farm insurance changed their customers wind/hail deductible from 1% to 2%. There were some very unhappy homeowners who discovered through the claim process that their deductible had doubled. When your policy renewal shows up in the mail spend the time to review the deductibles. Don’t assume they are the same as last year.
8. Discounts available - Some insurance companies offer a “multi-line” discount if you purchase both home and auto insurance from them. Don’t forget to ask about discounts.
Don’t wait until the next hail storm or hurricane rolls through Houston, Texas before you review your homeowners policy. Instead make a commitment to yourself to find and review your policy before your policy teaches you some tough financial lessons.
Hurricane IKE’s recent roll through our area sent a lot of Spring Texas homeowners scurrying for their policies. Unfortunately some homeowners were taught a painful financial lesson that they won’t soon forget.
8 things you should know about homeowners insurance?
1. Two Deductibles- Unlike automobile insurance, your homeowner’s insurance has two deductibles.
The first deductible is for wind/hail damage and it is a % of the rebuilding cost. The lowest percentage available is 1% with the deductibles of most insurance companies being 2% to 5%.
The second deductible is for “other perils” which would be fire, lightening, theft, and smoke damage. Insurance companies offer a fixed deductible with the lowest typically being $1,000.
2. Flood Insurance is separate- Flood insurance is NOT included in your homeowner’s insurance policy. The policy has to be purchased separately.
3. Flood insurance is not effective immediately - Don’t wait until hurricane season or until the weatherman says there is a hurricane on the way before securing flood insurance. Because insurance companies require you wait 30 days before your flood insurance policy becomes effective.
4. Does not cover replacement- If you have trees that fell and had to be removed, your homeowner’s insurance does not cover the cost of new trees to be planted in their place.
5. Food spoilage has a deductible - A lot of us experienced extensive power outages due to Hurricane IKE. By the time the power was restored, our refrigerated food had spoiled. Since the spoilage was caused by a wind / hail incident, our food spoilage was part of our wind/hail deductible.If food spoilage was the only damage we experienced, our spoilage would have to be more than 1% of our rebuilding cost before our insurance would kick in. Farmers has coverage on the Texas Family Home Plan of $500 for Food Spoilage with a $100 Ded.
6. Coverage not automatically adjusted - Review your policy annually and make the necessary adjustments to reflect the value of your home and its contents. Don’t put yourself in a position of being under insured. Adjust the value of your policy to match your home’s price appreciation.
7. Watch your renewal terms - Earlier this year, State Farm insurance changed their customers wind/hail deductible from 1% to 2%. There were some very unhappy homeowners who discovered through the claim process that their deductible had doubled. When your policy renewal shows up in the mail spend the time to review the deductibles. Don’t assume they are the same as last year.
8. Discounts available - Some insurance companies offer a “multi-line” discount if you purchase both home and auto insurance from them. Don’t forget to ask about discounts.
Don’t wait until the next hail storm or hurricane rolls through Houston, Texas before you review your homeowners policy. Instead make a commitment to yourself to find and review your policy before your policy teaches you some tough financial lessons.
Tuesday, December 2, 2008
Top 10 Most Stolen Cars
Most And Least Stolen Cars
By JACQUELINE MITCHELL
1. Cadillac Escalade ESV
See Pictures
2. Ford F-250 SuperCrew
See Pictures
3. Cadillac Escalade
See Pictures
4. Dodge Charger
See Pictures
5. Ford F-350 SuperCrew
See Pictures
See Cars 6-10 Here, List from Forbes.com
In the past few years, big, bold SUVs have become almost synonymous with the success of entertainment and sports stars. You make it big, you buy an Escalade. Or a Hummer.Hopefully, there's money left over to hire a full-time driver who can watch over the car, because these two vehicles are among the most likely to be stolen.
In Pictures: Top 10 Most Stolen Cars
The 2007 Cadillac Escalade ESV, a full-size luxury SUV, has the highest theft-claim frequency of any vehicle by a long shot. It's 15 times more likely to end up in the hands of thieves than the least-stolen car, the luxurious Mercedes E Class sedan, according to the theft-claim frequency report for 2005-07 model year cars, SUVs and light trucks, produced by the Highway Loss Data Institute (an affiliate of the Insurance Institute for Highway Safety). The E Class, Buick Rainer and Subaru Forester have the lowest theft-claim frequency reports.
More Autos Stories
More great articles from Forbes.com:
In Pictures: America's Most Stolen Cars
In Pictures: America's Least Stolen Cars
In Pictures: What Your Car Says About You
In Pictures: Best Cars For The Buck
In Pictures: 2008's Best-Performing Cars
"The Escalade has been the star of the show with car thieves for the better part of the decade," says Russ Rader, an IIHS spokesperson. "It has pop-culture appeal, and thieves are attracted to it."While the Escalade is the most coveted among thieves, the Hummer H2 and the Hummer H2 SUT (a sport utility truck with a small pickup bed in the rear compartment), are also highly desirable--and among the top 10 vehicles with the highest theft claim frequencies. Given a choice between a Hummer and a small car like the Ford Focus or a wagon like the Volvo V70, a thief is eight times more likely to go for the SUV.Behind the NumbersTo generate lists of the most- and least-stolen cars, the IIHS annually reviews insurance-claim reports to determine theft-frequency rates based on the number of claims filed for every 1,000 vehicles insured each year. The 2008 report, released in October, only includes 2005, 2006 and 2007 model-year cars, light trucks and SUVs, with the exception of the Cadillac Escalades (only the 2007 model is included because it was redesigned for that model year) and the Dodge Charger (only the 2006 and 2007 models are included since it was not available in the 2005 model year). Based on the claims filed, the IIHS also calculates the average loss payment--the amount paid to the consumer by the insurance company--made for each claim filed.
Top 10 Least Stolen Cars
Model Overview
Photos
1. Mercedes E Class
See Pictures
2. Buick Rainier
See Pictures
3. Subaru Forester
See Pictures
4. Buick Terraza
See Pictures
5. Volkswagon New Beetle
See Pictures
See Cars 6-10 Here, List from Forbes.com
Although there are plenty of sedans and smaller models that are attractive to thieves, most of the vehicles comprising the list of the top 10 most-stolen cars are big trucks and SUVs.There are many reasons why thieves choose popular, large vehicles over everyday family cars, but one is accessibility, says Rader. "If you've got a typical family sedan ... it is most likely spending the night in a suburban garage."Desirability, however, is a big factor. The Escalade (11.3 claims per 1,000) and its slightly larger sibling, the Escalade ESV, are likely popular among thieves, says Rader, for the cars' expensive parts and accessories. Escalade owners are known to add premium audio equipment, flashy rims, extra chrome and interior accessories as well. That might explain why the average claim loss paid for a stolen Escalade is $14,657 and $13,060 for the ESV. The average loss payment, across all vehicles, is only $9,396.Thieves are also attracted to a vehicle's cargo. The Ford F-250 and F-350 SuperCrew pickups have open beds that may include expensive equipment or tools that are just as appealing to thieves as the truck itself. The average loss payment claim for these vehicles are among the highest ($19,250 and $20,138, respectively), which may also include claims for whatever equipment or cargo these trucks may have been holding at the time they were stolen.Adding DeterrentsCadillac recognizes that the appeal to thieves "is an unfortunate side effect of the desirability" of the Escalade, but says it is doing its part to make the vehicle harder to steal, according to a Cadillac spokesperson. For the 2009 model year, Cadillac added a theft-deterrent feature through General Motors' OnStar communication system. When an Escalade or Hummer is reported stolen, OnStar will remotely shut off the vehicle's power, making it virtually impossible for anyone to drive it.But reporting a vehicle stolen needs to happen quickly, since a thief wants to offload it quickly--either whole or as parts. The Insurance Information Institute, a nonprofit organization, estimates a car is stolen every 24 minutes.
In Pictures: Top 10 Least Stolen Cars
The best deterrent of all, however, is buying the kind of car that thieves tend not to steal, especially something like the Volvo V70 (the claim frequency is only 0.8 out of 1,000 per insured vehicle year). Nevertheless, if the V70 or any other car suddenly were to become attractive to thieves, auto experts say there is relatively little that a car owner can do to stop them. If professional thieves want a certain kind of car badly enough, they'll go to just about any lengths to get it."If a thief wants your car, they will load it on a flatbed," says Rader. They will either strip it for parts or head for coastal borders "where it will end up on a boat and be exported overseas."
By JACQUELINE MITCHELL
1. Cadillac Escalade ESV
See Pictures
2. Ford F-250 SuperCrew
See Pictures
3. Cadillac Escalade
See Pictures
4. Dodge Charger
See Pictures
5. Ford F-350 SuperCrew
See Pictures
See Cars 6-10 Here, List from Forbes.com
In the past few years, big, bold SUVs have become almost synonymous with the success of entertainment and sports stars. You make it big, you buy an Escalade. Or a Hummer.Hopefully, there's money left over to hire a full-time driver who can watch over the car, because these two vehicles are among the most likely to be stolen.
In Pictures: Top 10 Most Stolen Cars
The 2007 Cadillac Escalade ESV, a full-size luxury SUV, has the highest theft-claim frequency of any vehicle by a long shot. It's 15 times more likely to end up in the hands of thieves than the least-stolen car, the luxurious Mercedes E Class sedan, according to the theft-claim frequency report for 2005-07 model year cars, SUVs and light trucks, produced by the Highway Loss Data Institute (an affiliate of the Insurance Institute for Highway Safety). The E Class, Buick Rainer and Subaru Forester have the lowest theft-claim frequency reports.
More Autos Stories
More great articles from Forbes.com:
In Pictures: America's Most Stolen Cars
In Pictures: America's Least Stolen Cars
In Pictures: What Your Car Says About You
In Pictures: Best Cars For The Buck
In Pictures: 2008's Best-Performing Cars
"The Escalade has been the star of the show with car thieves for the better part of the decade," says Russ Rader, an IIHS spokesperson. "It has pop-culture appeal, and thieves are attracted to it."While the Escalade is the most coveted among thieves, the Hummer H2 and the Hummer H2 SUT (a sport utility truck with a small pickup bed in the rear compartment), are also highly desirable--and among the top 10 vehicles with the highest theft claim frequencies. Given a choice between a Hummer and a small car like the Ford Focus or a wagon like the Volvo V70, a thief is eight times more likely to go for the SUV.Behind the NumbersTo generate lists of the most- and least-stolen cars, the IIHS annually reviews insurance-claim reports to determine theft-frequency rates based on the number of claims filed for every 1,000 vehicles insured each year. The 2008 report, released in October, only includes 2005, 2006 and 2007 model-year cars, light trucks and SUVs, with the exception of the Cadillac Escalades (only the 2007 model is included because it was redesigned for that model year) and the Dodge Charger (only the 2006 and 2007 models are included since it was not available in the 2005 model year). Based on the claims filed, the IIHS also calculates the average loss payment--the amount paid to the consumer by the insurance company--made for each claim filed.
Top 10 Least Stolen Cars
Model Overview
Photos
1. Mercedes E Class
See Pictures
2. Buick Rainier
See Pictures
3. Subaru Forester
See Pictures
4. Buick Terraza
See Pictures
5. Volkswagon New Beetle
See Pictures
See Cars 6-10 Here, List from Forbes.com
Although there are plenty of sedans and smaller models that are attractive to thieves, most of the vehicles comprising the list of the top 10 most-stolen cars are big trucks and SUVs.There are many reasons why thieves choose popular, large vehicles over everyday family cars, but one is accessibility, says Rader. "If you've got a typical family sedan ... it is most likely spending the night in a suburban garage."Desirability, however, is a big factor. The Escalade (11.3 claims per 1,000) and its slightly larger sibling, the Escalade ESV, are likely popular among thieves, says Rader, for the cars' expensive parts and accessories. Escalade owners are known to add premium audio equipment, flashy rims, extra chrome and interior accessories as well. That might explain why the average claim loss paid for a stolen Escalade is $14,657 and $13,060 for the ESV. The average loss payment, across all vehicles, is only $9,396.Thieves are also attracted to a vehicle's cargo. The Ford F-250 and F-350 SuperCrew pickups have open beds that may include expensive equipment or tools that are just as appealing to thieves as the truck itself. The average loss payment claim for these vehicles are among the highest ($19,250 and $20,138, respectively), which may also include claims for whatever equipment or cargo these trucks may have been holding at the time they were stolen.Adding DeterrentsCadillac recognizes that the appeal to thieves "is an unfortunate side effect of the desirability" of the Escalade, but says it is doing its part to make the vehicle harder to steal, according to a Cadillac spokesperson. For the 2009 model year, Cadillac added a theft-deterrent feature through General Motors' OnStar communication system. When an Escalade or Hummer is reported stolen, OnStar will remotely shut off the vehicle's power, making it virtually impossible for anyone to drive it.But reporting a vehicle stolen needs to happen quickly, since a thief wants to offload it quickly--either whole or as parts. The Insurance Information Institute, a nonprofit organization, estimates a car is stolen every 24 minutes.
In Pictures: Top 10 Least Stolen Cars
The best deterrent of all, however, is buying the kind of car that thieves tend not to steal, especially something like the Volvo V70 (the claim frequency is only 0.8 out of 1,000 per insured vehicle year). Nevertheless, if the V70 or any other car suddenly were to become attractive to thieves, auto experts say there is relatively little that a car owner can do to stop them. If professional thieves want a certain kind of car badly enough, they'll go to just about any lengths to get it."If a thief wants your car, they will load it on a flatbed," says Rader. They will either strip it for parts or head for coastal borders "where it will end up on a boat and be exported overseas."
Thursday, November 20, 2008
Ike Helpline 713-276-3955
Feel lost somewhere between FEMA, the SBA and your insurance company? Wondering what to do after a FEMA denial letter? Not sure where you will live in the near future? The Ike Helpline, 713-276-3955 is open 8-5 Monday through Friday...
Three More Disaster Recovery Centers to Close Next Week
DRC's in Shoreacres, Pasadena and LaPorte will close Tuesday Nov. 25 - but residents can still call FEMA for assistance at 1-800-621-FEMA (6632) City of Shoreacres Facility 619 Shore Acres Blvd. Shoreacres, 77062 Wal-Ma...
Tables, Beds, Chairs and Dresser Donations Requested
While many Hurricane Ike Victims are starting from scratch with no furniture, many other residents have extra furniture they are not using. The Furniture Bank of Houston is trying to bring these two types of citizens together. ...
Study Seeks Katrina Evacuees
The Center on Disability and Development at Texas A&M University is conducting a research study about Hurricane Katrina survivors who have diabetes or are disabled. The criteria are: - do you have diabetes? - do y...
Additional Assistance with the SBA Process
For assistance with Small Business Administration (SBA) loan packets, you can call 1-800-659-2955 or visit a Disaster Loan Outreach Center (DLOC) for face-to-face help. DLOCs are open 8 a.m. – 5 p.m. Monday through Friday. ...
Navigate FEMA with Online Video Assistance
The Harris County Housing Authority (HCHA) has produced a 12-minute video on how to register for disaster assistance through FEMA. You can view the video,at http://www.hchatexas.org/. HCHA is a governmental non-profit corpora...
Do You Need Help Locating Your Pet?
Houston SPCA's Hurricane Ike rescue and recovery mission began before the storm hit, by evacuating animals from coastal shelters to safety. After the storm, the organization rescued, saved and sheltered more than 1,800 storm pets, fed and shel...
Free Legal Clinics Open This Week
Lone Star Legal Aid (LSLA) is hosting free weekly legal aid clinics for families and individuals who need assistance with Ike-related issues, but cannot afford an attorney. LSLA clinics will address public benefits problems, home repair s...
Ike Relief Fund Facts and Figures
Hurricane Ike Relief Fund Fast Facts: Houston Mayor Bill White established the fund for unmet needs in Harris, Galveston and other affected counties Singer Neil Diamond has pledged proceeds from souvenir and concert sales. So fa...
College Students Affected by Ike Receive Financial Boost
Lone Star College students and employees impacted by Hurricane Ike have received a helping hand from the Lone Star College Foundation. The Foundation has awarded grants to those with the greatest need. Donations are still being accepted online or by ...
SBA Seeking Loan Application Recipients
Don't let the name fool you: Small Business Administration loans are for homeowners as well. As of Nov. 18, SBA has approved nearly $270 million in loans to homeowners affected by Hurricane Ike. Another $35 million has bee...
Help With Storm Debris Removal Nov. 22/29
The City of Houston is launching a program called "Neighbors Helping Neighbors" to assist elderly and physically challenged residents remove Hurricane Ike debris from their backyards to the curb. The program is seeking voluntee...
Heavy Trash Schedule Resumes Dec. 1
Normal heavy trash schedule resumes Monday Dec. 1. Residents are encouraged to have storm debris at the curb prior to Nov. 19. For debris removal questions, call 1-800-207-2325. For new developments, visit www.houst...
Free Legal Advice Clinic Dec. 6
Houston Volunteer Lawyers Program There will be a free legal advice clinic 9:30 a.m. – 11:30 a.m. Saturday Dec. 6, 2008. Volunteer attorneys will provide 10 to 15 minutes of free legal help to qualifying low income f...
Unemployment Insurance Deadline Extended
The deadline to apply for benefits through the Texas Workforce Commission has been extended to Dec.12, 2008. You may qualify for benefits following Hurricane Ike, if you: · ...
FEMA Registration Deadline Extended
You now have until Dec. 12 to submit applications for assistance to FEMA and/or SBA (Small Business Administration). FEMA strongly encourages individuals who receive an SBA application complete the form and return it, even ...
Transitional Sheltering Assistance Extended
The Transitional Sheltering Assistance (TSA) program has been extended for eligible applicants until Jan. 15, 2009. TSA provides short-term, transitional sheltering by directly paying hotels and motels for evacuees lodging costs. This ...
Disaster Housing Assistance Program (DHAP)
What is DHAP-IKE? The U.S. Department of Housing and Urban Development (HUD) is a temporary housing assistance program to help Texans displaced by Hurricane Ike. The program begins Nov.1. FEMA has already given HUD the names of more tha...
DHAP-Ike Step by Step
Texans who were displaced by Hurricane Ike and believe they are eligible for assistance must register with FEMA by calling 1-800-621-FEMA (3362), or online at www.FEMA.gov, no later than Dec. 12. FEMA will determine individual...
Don't Deny Yourself FEMA Benefits Due To Insurance Coverage
Having insurance is not a reason to be denied FEMA assistance, but it can be an obstacle. For example, if you answer "yes" to the question; "Do you have insurance coverage?" FEMA will not inspect your pro...
FEMA Denial Not Always Permanent
If you are the head of a household and your home or apartment is not currently liveable, don't give up, even if you've received a FEMA denial letter. Denials often occur as a result of a lack of information or a ...
You Have 60 Days to Appeal a FEMA Decision
It may be that you have received a FEMA denial letter or you believe that the assistance provided by FEMA is not enough. A lack of information is often the simple explanation. Typical reasons include questions raised regarding: Pr...
FEMA May Audit, So Save Those Receipts
It's very important to save all of your receipts relating to disaster spending, whether or not you have yet been approved for FEMA or SBA funding. When it comes to FEMA grants, keep receipts for at least THR...
Financial Assistance for Renters
Texas renters who suffered damage to their residences from Hurricane Ike may be eligible for disaster assistance. Federal grants to rent a place to live may be available for renters whose primary residence requires repairs to make it habitable. Eligi...
Feel lost somewhere between FEMA, the SBA and your insurance company? Wondering what to do after a FEMA denial letter? Not sure where you will live in the near future? The Ike Helpline, 713-276-3955 is open 8-5 Monday through Friday...
Three More Disaster Recovery Centers to Close Next Week
DRC's in Shoreacres, Pasadena and LaPorte will close Tuesday Nov. 25 - but residents can still call FEMA for assistance at 1-800-621-FEMA (6632) City of Shoreacres Facility 619 Shore Acres Blvd. Shoreacres, 77062 Wal-Ma...
Tables, Beds, Chairs and Dresser Donations Requested
While many Hurricane Ike Victims are starting from scratch with no furniture, many other residents have extra furniture they are not using. The Furniture Bank of Houston is trying to bring these two types of citizens together. ...
Study Seeks Katrina Evacuees
The Center on Disability and Development at Texas A&M University is conducting a research study about Hurricane Katrina survivors who have diabetes or are disabled. The criteria are: - do you have diabetes? - do y...
Additional Assistance with the SBA Process
For assistance with Small Business Administration (SBA) loan packets, you can call 1-800-659-2955 or visit a Disaster Loan Outreach Center (DLOC) for face-to-face help. DLOCs are open 8 a.m. – 5 p.m. Monday through Friday. ...
Navigate FEMA with Online Video Assistance
The Harris County Housing Authority (HCHA) has produced a 12-minute video on how to register for disaster assistance through FEMA. You can view the video,at http://www.hchatexas.org/. HCHA is a governmental non-profit corpora...
Do You Need Help Locating Your Pet?
Houston SPCA's Hurricane Ike rescue and recovery mission began before the storm hit, by evacuating animals from coastal shelters to safety. After the storm, the organization rescued, saved and sheltered more than 1,800 storm pets, fed and shel...
Free Legal Clinics Open This Week
Lone Star Legal Aid (LSLA) is hosting free weekly legal aid clinics for families and individuals who need assistance with Ike-related issues, but cannot afford an attorney. LSLA clinics will address public benefits problems, home repair s...
Ike Relief Fund Facts and Figures
Hurricane Ike Relief Fund Fast Facts: Houston Mayor Bill White established the fund for unmet needs in Harris, Galveston and other affected counties Singer Neil Diamond has pledged proceeds from souvenir and concert sales. So fa...
College Students Affected by Ike Receive Financial Boost
Lone Star College students and employees impacted by Hurricane Ike have received a helping hand from the Lone Star College Foundation. The Foundation has awarded grants to those with the greatest need. Donations are still being accepted online or by ...
SBA Seeking Loan Application Recipients
Don't let the name fool you: Small Business Administration loans are for homeowners as well. As of Nov. 18, SBA has approved nearly $270 million in loans to homeowners affected by Hurricane Ike. Another $35 million has bee...
Help With Storm Debris Removal Nov. 22/29
The City of Houston is launching a program called "Neighbors Helping Neighbors" to assist elderly and physically challenged residents remove Hurricane Ike debris from their backyards to the curb. The program is seeking voluntee...
Heavy Trash Schedule Resumes Dec. 1
Normal heavy trash schedule resumes Monday Dec. 1. Residents are encouraged to have storm debris at the curb prior to Nov. 19. For debris removal questions, call 1-800-207-2325. For new developments, visit www.houst...
Free Legal Advice Clinic Dec. 6
Houston Volunteer Lawyers Program There will be a free legal advice clinic 9:30 a.m. – 11:30 a.m. Saturday Dec. 6, 2008. Volunteer attorneys will provide 10 to 15 minutes of free legal help to qualifying low income f...
Unemployment Insurance Deadline Extended
The deadline to apply for benefits through the Texas Workforce Commission has been extended to Dec.12, 2008. You may qualify for benefits following Hurricane Ike, if you: · ...
FEMA Registration Deadline Extended
You now have until Dec. 12 to submit applications for assistance to FEMA and/or SBA (Small Business Administration). FEMA strongly encourages individuals who receive an SBA application complete the form and return it, even ...
Transitional Sheltering Assistance Extended
The Transitional Sheltering Assistance (TSA) program has been extended for eligible applicants until Jan. 15, 2009. TSA provides short-term, transitional sheltering by directly paying hotels and motels for evacuees lodging costs. This ...
Disaster Housing Assistance Program (DHAP)
What is DHAP-IKE? The U.S. Department of Housing and Urban Development (HUD) is a temporary housing assistance program to help Texans displaced by Hurricane Ike. The program begins Nov.1. FEMA has already given HUD the names of more tha...
DHAP-Ike Step by Step
Texans who were displaced by Hurricane Ike and believe they are eligible for assistance must register with FEMA by calling 1-800-621-FEMA (3362), or online at www.FEMA.gov, no later than Dec. 12. FEMA will determine individual...
Don't Deny Yourself FEMA Benefits Due To Insurance Coverage
Having insurance is not a reason to be denied FEMA assistance, but it can be an obstacle. For example, if you answer "yes" to the question; "Do you have insurance coverage?" FEMA will not inspect your pro...
FEMA Denial Not Always Permanent
If you are the head of a household and your home or apartment is not currently liveable, don't give up, even if you've received a FEMA denial letter. Denials often occur as a result of a lack of information or a ...
You Have 60 Days to Appeal a FEMA Decision
It may be that you have received a FEMA denial letter or you believe that the assistance provided by FEMA is not enough. A lack of information is often the simple explanation. Typical reasons include questions raised regarding: Pr...
FEMA May Audit, So Save Those Receipts
It's very important to save all of your receipts relating to disaster spending, whether or not you have yet been approved for FEMA or SBA funding. When it comes to FEMA grants, keep receipts for at least THR...
Financial Assistance for Renters
Texas renters who suffered damage to their residences from Hurricane Ike may be eligible for disaster assistance. Federal grants to rent a place to live may be available for renters whose primary residence requires repairs to make it habitable. Eligi...
Monday, September 8, 2008
Hurricane Preparations
Hurricane Preparations
Don't see your question? Go to the www.floodsmart.gov
What can I do to protect my home and family from a hurricane?
Besides insuring your property, there are things you can do to minimize potential loss to your home and ensure your family's safety.
- Discuss the type of hazards that could affect your family.
- Know your home’s vulnerability to storm surge, flooding and wind.
- Locate a safe room or the safest areas in your home for each hurricane hazard. In certain circumstances the safest areas may not be your home but within your community.
Determine escape routes from your home and places to meet. - These should be measured in tens of miles rather than hundreds of miles.
- Have an out-of-state friend as a family contact, so all your family members have a single point of contact.
- Make a plan now for what to do with your pets if you need to evacuate.
- Post emergency telephone numbers by your phones and make sure your children know how and when to call 911.
- Check your insurance coverage - flood damage is not usually covered by homeowners insurance.
- Stock non-perishable emergency supplies and a Disaster Supply Kit.
- Use a NOAA weather radio. Remember to replace its battery every 6 months, as you do with your smoke detectors.
- Take First Aid, CPR and disaster preparedness classes.
- Water - at least 1 gallon daily per person for 3 to 7 days
- Food - at least enough for 3 to 7 days
- non-perishable packaged or canned food / juices
- foods for infants or the elderly
- snack foods
- non-electric can opener
- cooking tools / fuel
- paper plates / plastic utensils
- Blankets / Pillows, etc.
- Clothing - seasonal / rain gear/ sturdy shoes
- First Aid Kit / Medicines / Prescription Drugs
- Special Items - for babies and the elderly
- Toiletries / Hygiene items / Moisture wipes
- Flashlight / Batteries
- Radio - Battery operated and NOAA weather radio
- Telephones - Fully charged cell phone with extra battery and a traditional (not cordless) telephone set
- Cash (with some small bills) and Credit Cards - Banks and ATMs may not be available for extended periods
- Keys
- Toys, Books and Games
- Important documents - in a waterproof container or watertight resealable plastic bag insurance, medical records, bank account numbers, Social Security card, etc.
- Tools - keep a set with you during the storm
- Vehicle fuel tanks filled
- Pet care items suck as proper identification / immunization records / medications
• ample supply of food and water
• a carrier or cage
• muzzle and leash
Develop a family hurricane preparedness plan before an actual storm threatens your area. If your family hurricane preparedness plan includes evacuation to a safer location for any of the reasons specified with in this web site, then it is important to consider the following points:
If ordered to evacuate, do not wait or delay your departure.
If possible, leave before local officials issue an evacuation order for your area. Even a slight delay in starting your evacuation will result in significantly longer travel times as traffic congestion worsens.
Select an evacuation destination that is nearest to your home, preferably in the same county, or at least minimize the distance over which you must travel in order to reach your intended shelter location.
In choosing your destination, keep in mind that the hotels and other sheltering options in most inland metropolitan areas are likely to be filled very quickly in a large, multi-county hurricane evacuation event.
If you decide to evacuate to another county or region, be prepared to wait in traffic.
The large number of people in this state who must evacuate during a hurricane will probably cause massive delays and major congestion along most designated evacuation routes; the larger the storm, the greater the probability of traffic jams and extended travel times.
The large number of people in this state who must evacuate during a hurricane will probably cause massive delays and major congestion along most designated evacuation routes; the larger the storm, the greater the probability of traffic jams and extended travel times.
If possible, make arrangements to stay with the friend or relative who resides closest to your home and who will not have to evacuate. Discuss with your intended host the details of your family evacuation plan well before the beginning of the hurricane season.
If a hotel or motel is your final intended destination during an evacuation, make reservations before you leave. Most hotel and motels will fill quickly once evacuations begin. The longer you wait to make reservations, even if an official evacuation order has not been issued for your area or county, the less likely you are to find hotel/motel room vacancies, especially along interstate highways and in major metropolitan areas.
If you are unable to stay with friends or family and no hotels/motels rooms are available, then as a last resort go to a shelter. Remember, shelters are not designed for comfort and do not usually accept pets. Bring your disaster supply kit with you to the shelter. Find Pet-Friendly hotels and motels.
Make sure that you fill up your car with gas, before you leave.
Make a Pet Plan
Contact your veterinarian or local humane society for information on preparing your pets for an emergency.
BEFORE THE DISASTER
Make sure that your pets are current on their vaccinations. Pet shelters may require proof of vaccines.
Have a current photograph
Keep a collar with identification on your pet and have a leash on hand to control your pet.
Have a properly sized pet carrier for each animal - carriers should be large enough for the animal to stand and turn around.
Plan your evacuation strategy and don’t forget your pet! Specialized pet shelters, animal control shelters, veterinary clinics and friends and relatives out of harm’s way are ALL potential refuges for your pet during a disaster.
If you plan to shelter your pet - work it into your evacuation route planning.
Make sure that your pets are current on their vaccinations. Pet shelters may require proof of vaccines.
Have a current photograph
Keep a collar with identification on your pet and have a leash on hand to control your pet.
Have a properly sized pet carrier for each animal - carriers should be large enough for the animal to stand and turn around.
Plan your evacuation strategy and don’t forget your pet! Specialized pet shelters, animal control shelters, veterinary clinics and friends and relatives out of harm’s way are ALL potential refuges for your pet during a disaster.
If you plan to shelter your pet - work it into your evacuation route planning.
DURING THE DISASTER
Animals brought to a pet shelter are required to have:
• Proper identification collar and rabies tag
• proper identification on all belongings,
• a carrier or cage,
• a leash,
• an ample supply of food, water and food bowls,
• any necessary medications,
• specific care instructions
• and news papers or trash bags for clean-up.
Bring pets indoor well in advance of a storm - reassure them and remain calm.
Pet shelters will be filled on first come, first served basis. Call ahead and determine availability.
Animals brought to a pet shelter are required to have:
• Proper identification collar and rabies tag
• proper identification on all belongings,
• a carrier or cage,
• a leash,
• an ample supply of food, water and food bowls,
• any necessary medications,
• specific care instructions
• and news papers or trash bags for clean-up.
Bring pets indoor well in advance of a storm - reassure them and remain calm.
Pet shelters will be filled on first come, first served basis. Call ahead and determine availability.
AFTER THE DISASTER
Walk pets on a leash until they become re-oriented to their home - often familiar scents and landmarks may be altered and pets could easily be confused and become lost. Also, downed power lines, reptiles brought in with high water and debris can all pose a threat for animals after a disaster.
If pets cannot be found after a disaster, contact the local animal control office to find out where lost animals can be recovered. Bring along a picture of your pet if possible.
After a disaster animals can become aggressive or defensive - monitor their behavior.
Don’t forget your pet when preparing a family disaster plan.
PET DISASTER SUPPLY KIT
• Proper identification including immunization records
• Ample supply of food and water
• A carrier or cage
• Medications
• Muzzle, collar and leash
• Proper identification including immunization records
• Ample supply of food and water
• A carrier or cage
• Medications
• Muzzle, collar and leash
ADDITIONAL LINKS
• The Humane Society Disaster Center
• FEMA - Animals and Emergencies
Pet Plan Con’t
• The Humane Society Disaster Center
• FEMA - Animals and Emergencies
Pet Plan Con’t
Make sure any photos or videos of all of your important possessions are in a safe place. These documents will help you file an accurate and comprehensive flood insurance claim.
Store important documents and irreplaceable personal objects (such as photographs) where they won't get damaged. If major flooding is expected in your area, consider putting them in a storage facility. Remember to talk to your insurance agent if you have questions or would like additional information.
Store important documents and irreplaceable personal objects (such as photographs) where they won't get damaged. If major flooding is expected in your area, consider putting them in a storage facility. Remember to talk to your insurance agent if you have questions or would like additional information.
Is my city at risk?
Nearly every year since 1851, at least one hurricane has reached the United States. During an active hurricane season, an average of two to four hurricanes make landfall on the continental U.S. Hurricane-related flooding ahs occurred as far as 600 miles inland. Although any coastal area is at risk, certain cities are particularly vulnerable and may have incurred losses even higher than those incurred when Hurricane Katrina struck New Orleans.
Has a disaster been declared for my area?
Check the FEMA disaster declarations page for the latest information.
I don’t have flood insurance, but doesn’t my homeowners insurance cover this?Most homeowners insurance does NOT cover damage or losses from flooding. Some damage to your property may have been caused by something other than flooding. Look at your policy and see your homeowners insurance agent for more information about what types of damage are covered by your policy.
Read the simple steps about how to file a claim For in-depth answers regarding claims and the flood insurance claims process, please read the Flood Insurance Claims handbook.
How can I tell what caused the damage to my property?Flooding is defined as rising waters. Damage caused by falling water and wind is not considered flood damage. Please talk to your flood insurance agent and/or your homeowners insurance company for more information about what is covered under your policy. Use the Flood Insurance Claims handbook as a reference.
How can I tell what caused the damage to my property?Flooding is defined as rising waters. Damage caused by falling water and wind is not considered flood damage. Please talk to your flood insurance agent and/or your homeowners insurance company for more information about what is covered under your policy. Use the Flood Insurance Claims handbook as a reference.
What is Increased Cost of Compliance?
If your home or business is damaged by a flood, you may be required to meet certain building requirements in your community to reduce future flood damage. To help with these costs, the NFIP includes Increased Cost of Compliance (ICC) coverage for all eligible properties insured under the Standard Flood Insurance Policy. Read more about ICC.
Thursday, August 28, 2008
A note from David D Lorms
I want to share with you some important information about safety as an ongoing thank-you for your business and your loyalty. It's part of my hope to give you best-in-class service in every season. If you think this information is useful, please feel free to forward it to your friends and relatives: I'd be glad to provide them the same good service I give you. I hope you find these articles helpful and informative. Let's stay in touch through this Farmers Friendly Voice.
Turning good names into bad reputations
You work hard every day to support yourself and your family. What would you do if someone used your name to get a credit card and run up thousands of dollars in charges that your credit card company wants you to pay? Welcome to the dark world of identity theft. Preventing ID theft is the obvious goal, but if your good name does fall into bad hands, Farmers Identity ShieldSM can help. I can tell you more about it.
"Sure, I'll drive more safely ... as soon as I send this text message."
Do you know what the deadliest driving behaviors are? A recent study found that while four out of five teens claim they would drive more safely at the request of a teen passenger, few would in fact curtail the deadliest driving behaviors. Talk with your teen drivers to be sure they know to help their peers understand that each unsafe choice can mean the difference between life and death.
Favorable trends and competition make it a buyer's market
If you have dependents or other people with whom you share your life, Life insurance can play a vital and valuable role at every stage of your life. According to the Insurance Information Institute, Life insurance rates will continue to go down and life expectancy will continue to go up in 2008. So now may be a good time to reevaluate your Life insurance needs.
Turning good names into bad reputations
You work hard every day to support yourself and your family. What would you do if someone used your name to get a credit card and run up thousands of dollars in charges that your credit card company wants you to pay? Welcome to the dark world of identity theft. Preventing ID theft is the obvious goal, but if your good name does fall into bad hands, Farmers Identity ShieldSM can help. I can tell you more about it.
"Sure, I'll drive more safely ... as soon as I send this text message."
Do you know what the deadliest driving behaviors are? A recent study found that while four out of five teens claim they would drive more safely at the request of a teen passenger, few would in fact curtail the deadliest driving behaviors. Talk with your teen drivers to be sure they know to help their peers understand that each unsafe choice can mean the difference between life and death.
Favorable trends and competition make it a buyer's market
If you have dependents or other people with whom you share your life, Life insurance can play a vital and valuable role at every stage of your life. According to the Insurance Information Institute, Life insurance rates will continue to go down and life expectancy will continue to go up in 2008. So now may be a good time to reevaluate your Life insurance needs.
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