Blogs

Roof ESX

Categories


Texas Winter Storm Brings Avalanche of Insurance Claims – Here’s What You Need to Know as a CAT Adjuster

Russell the Adjuster
/ Categories: On The Job, Cat Adjusting

The extreme cold weather crisis in Texas has resulted in a catastrophe on par with Super Storm Sandy, surpassing Hurricane Harvey and Hurricane Katrina – where the entire state is affected rather than a single city. People literally froze to death in their own homes due to the extreme cold and lack of heat, and died of carbon monoxide poisoning trying to stay warm. Just look at how this guy in Dallas tried to heat his home with his car! I have to wonder what the damage and loss is in his house.

 

Shocking Images

The photos have been shocking: Fish tanks frozen all the way through, toilets overflowing with ice, ceiling fans encased in icicles from burst water pipes above. And now that the weather has warmed above freezing, already-burst pipes have thawed and flooded homes across the state. Plumbers from all over the country are headed to Texas to help repair the extensive damage. And the insurance industry expects a record $18B in losses as a result of this this winter storm event.

 

What You Need to Know as a CAT Adjuster

As a catastrophic insurance adjuster, what’s the right way to evaluate a homeowner’s insurance claim for burst water pipes? What should you look for? What’s covered, what’s not, and why? Here’s what you need to know:

  1. Is damage caused by burst water pipes following this Texas freeze typically going to be covered by a homeowner’s insurance policy? The short answer is most likely yes, but the exact wording of the homeowners policy has the final determination. Even though a homeowner is calling because their home is flooded with water from burst pipes, homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen. By contrast, if you live in a northern climate and your broken pipe is a result of freezing due to a lack of heat in the home, an insurance company could cite your negligence and deny your claim. However, because the broken pipes in Texas happened suddenly and by accident and shouldn't have been easily preventable, the homeowner’s claim should be covered.

  1. What’s likely to be covered? After a pipe bursts, homeowners insurance covers damage occurring to the carpet or rugs, the floor, drywall, paint, and so on; anything that got wet and damaged. Any service needed to clean up the water, dry out the home, and possibly prevent mold would also be included in this coverage. Furthermore, the cost of repairing the busted pipe—the cause of the problem—may be covered, too. Of course, every homeowner’s policy is different, and the homeowner would have to call their agent to see exactly how their coverage works.

  1. As an insurance adjuster, what should you look for to make sure the homeowner gets paid everything they are owed? Many homeowners in Texas are facing a daunting recovery from this deep freeze, and it’s our job to make sure they get everything they are entitled to so they can bounce back as quickly as possible. You are the middle-man between the homeowner and insurance carrier. Finding everything that the insured is entitled to per their policy is what is fair to the homeowner and also fair to the carrier; No More, No Less.

 

The Bottom Line

As a catastrophic insurance adjuster, it's important to review the exact wording of the homeowner’s policy to make sure the homeowner gets everything they are entitled to. Because suffering through an historic deep freeze is bad enough without getting frozen out by the insurance company.

Copyright © 2021 Russell Oyer. All rights reserved.

 

Comment

warning
You don't have permission to post comments.

Past Articles

Note: Since CADO first went online in 1995 we have had many members contribute to the site with their articles and forum posts.  But over the years many of these post were lost however, we have recently been able to recover some of the articles and forum post and will be re-posting them as time allows.   They will be posted on this page (Commuunity Blog) with a note indicating that it was a prior post. RC

Forum Topics

HOW SLOW IS IT???

I HAVE BEEN RUNNING THE ROADS FOR 12 YRS.  UP TO THIS POINT EVEN THE SLOW YEARS TREATED ME OK.THIS YEAR HAS BEEN MY SLOWEST EVER.  NONE OF MY ROAD FAMILY ARE OR HAVE BEEN WORKING.  WHAT ARE YOUR THOUGHTS, HAS IT BEEN A GOOD YEAR OR HAVE I STEPPED ON A LOT OF TOES?   HOUTZ &nbs

Posted By: Catmannn
Posted In: General
Replies: 26

How many Independent Adjusters out of work Today

Just curious, How many IA's are there out of work today who don't have other income to survive .  How many total adjusters are there in the USA . Including Staff adjusters.?    How many newbies still want to get into this stagnant business.

Posted By: Goldust
Posted In: General
Replies: 35

Fee Schedules

I think someone should have done this a long time ago.  Let's start a list of fee schedules from different carriers and their preferred IA firms.  Everyone should know what companies pay IA's instead of having to learn the hard way.  Anyone have several 2010 fee schedules to start?&nb

Posted By: descher
Posted In: Community Chat
Replies: 15

Business Casual

Report of duty or a class- Dress code- Business Casual I have been watching the gathering of adjusters for several years. Seems about 25% know the definition, 20% try hard , 20% make some attempt.and 35%  did not read the instructions or have defiant leanings.

Posted By: Ray Hall
Posted In: General
Replies: 23

I Thought I Had Heard It All

Greetings to everyone from Oaxaca, Mexico, where Jennifer and I are taking a break from our last assignment and staying far away from the demonstrations taking place across town. I guess I'm reviving this thread from a similar thread now located in the archives.  For those of you old enough to

Posted By: Medulus
Posted In: General
Replies: 43

Hurricane Sandy

At this time a rapidly strengthening hurricane is going to cross Jamaica, Cuba and the Bahamas. But what then. Some modleing is suggesting a sub tropical blow to the NE with widespread 60 to 70 mph winds heavy rain and or snow. If this developes could see a billion dollar storm (ref: Dr. Jeff Master

Posted By: stormcrow
Posted In: Hail, Flood, Hurricanes and Weather Events
Replies: 24

Is the Independent Adjuster Fast Becoming Obsolete?

I have written  more than few times about with Satellite roof technology , the fact that Xactimate is now fully integrated with EagleView and with Sketch , once the adjuster enters the sketch properties, that building is forever archived and future measurements are but a few keystrokes away fro

Posted By: CatAdjusterX
Posted In: General
Replies: 36

2007 Version of Know before you Go.

My opine is not as good as the experts; but I think a monster hurricane will hit Texas or Florida with in the next 50 days. All new and old adjusters try not to be cheated by the known and not surfaced vendors and subs of venders and the subs of the subs. Ask more questions. Keep a copy of ever fil

Posted By: Ray Hall
Posted In: General
Replies: 32

Did I mess up?

 I just got hired by Pilot, I guess. They called and said get your paperwork in and get ready for a drug test. The lady told me that she knew they would call me so pack my bags. I have all paperwork in, but they haven’t called me for a drug test yet. I e-mailed and they said if I was called to

Posted By: newguy3
Posted In: General
Replies: 50

"Muffled Cries" story of adjuster killed in Tampa in Nov 04 reruns 9/22/07 at 6:30pm ET

Florida Farm Bureau adjuster, Katie Froeschle, age 25 ,was murdered in Tampa,FL on November 12, 2004 while inspecting a loss by the tenant who is now serving life in prison. Forensic Files investigated this and is re running the story "Muffled Cries" on 9/22/07 at 6:30pm ET. She was beaten

Posted By: Dimechimes
Posted In: General
Replies: 31

LONG NIGHTS - LONGER DAYS

Much has been stated about the trials and tribulations of life on the road while working a storm. We all know about the non- stop 18 hour days and the pressure with performing and delivering to maintain a significant income. While I do not know personally what my physical appearance is when I a

Posted By: margar1
Posted In: Community Chat
Replies: 16

Isaac

Does it appear to be a lot of work from this storm? Before the storm my email and phone were busy. It seems to have gotten pretty quiet.

Posted By: LucyZ
Posted In: General
Replies: 13

What to do when the insured is deceased or divorced

I think death and divorce are common issues that rarely get covered in training. Adjusters learn what to do by trial and error, or if they are lucky, a knowledgeable supervisor tells them what to do.  Scenario #1.: The adjuster is handling a claim for Mr. John Smith and speaking with  a

Posted By: Leland
Posted In: General
Replies: 8

Your Reading Files

Your closed files are the best example of your work. When you are looking at all the vendors who are not seeking your commitment during this very slow period ask permission to email 5-10 of your best work. The narrative reports will get their attention.

Posted By: Ray Hall
Posted In: The Claim File
Replies: 17

Sandy Discussion

So, here we are Sandy is here.  It is really funny how changing jobs from commission to salary changes the perception. When I was a salaried road warrior, I used to beam with joy while seeing those clowns on Weather Channel acting like it's the end of the world. Now, I am a salaried guy working

Posted By: Alex_Chernov
Posted In: General
Replies: 84