(04-24-2024, 12:41 AM)HereOnThePrimalEdge Wrote: so how does that work? If the NWS or the NHC issues a warning/watch/etc for a named storm, the property is not covered by standard wind damage.
Wait. What? So HOW does that work?
If there is a hurricane watch, which is not a hurricane, and the insured is in:
* the path?
* the cone?
But you have wind damage, even well below 75 mph, you’re not covered?
The cone or path is irrelevant, the standard wind coverage blackout from the storm is based on the property being within the forecast zones because named storms cause severe weather outside the cone. It's not applicable just to hurricanes, it would be any wind damage caused by a "named storm" impacting the forecast zone as described above. That includes things like wind damage by tornadoes potentially caused by the storm. It "could" also include that dead ROD ohia that falls on a roof from a gentle everyday breeze that happened to occur when the REAL effects of the storm are still a hundred miles away. The ultimate determination would be made by their claims department, and that's where the quality of the insurance company comes into play. I did ask pointed questions and one of the agents (I've communicated with at least five so far) summarized it this way- If you don't have earthquake insurance, you're not covered for ground movement regardless of how close or far away you are to an epicenter. With wind damage potentially caused by a named storm, it's not so black and white, but if you're in the forecast zone of a named storm under a watch/advisory/etc within the hours guidelines described above, you can assume you have no coverage unless told otherwise after the fact by their claims department.