All states and carriers being different notwithstanding, we had something similar happen with ‘post tropical superstorm Sandy’. It was a hurricane until the last second and hit as a non hurricane. Something about the distinction changed it from hurricane coverage to much lesser covered ‘act of god’. The NY governor was on it as it happened that any insurances that played semantics with the terminology would be *whatever the state could do* to punish them. One of the biggies got in front of it and publicly claimed that they would honor the hurricane clauses even though they legally didn’t have to. As soon as one publicly did the right thing, the others quickly joined in out of the goodness of their hearts.Declaration of a natural disaster doesn't magically make previously excluded coverages
All states and carriers being different notwithstanding, we had something similar happen with ‘post tropical superstorm Sandy’. It was a hurricane until the last second and hit as a non hurricane. Something about the distinction changed it from hurricane coverage to much lesser covered ‘act of god’. The NY governor was on it as it happened that any insurances that played semantics with the terminology would be *whatever the state could do* to punish them. One of the biggies got in front of it and publicly claimed that they would honor the hurricane clauses even though they legally didn’t have to. As soon as one publicly did the right thing, the others quickly joined in out of the goodness of their hearts.
There was a lot more legal mumbo jumbo that is above my pay scale, but that was the basics.
Either way, I suspect most people with damage will be mild to moderate and not catastrophic that would warrant a claim (if it’s covered in the first place).
Fences, pools, driveways, sheds, pool houses, Anything in the yard that isn’t lawn furniture/ hoses/ garden gnomes, etc. For once a vague term comes in handy.I have coverage for "other structures" (really not having any idea what is actually covered though
I was very prepared with closing/draining all the pool equipment prior to the Canadian hurricane coming south but I completely forgot about the sprinklers! With zero degree temps and not getting above freezing for 10 days, I am sure something is frozen down there. We normally don't get cold enough soil in winter to go through the hassle of blowing the lines out. I guess I will find out in a month or so. Fortunately for me, I installed my DIY sprinkler systems so I am used to having to fix minor leaks each year.When I saw posts on Facebook about freeze-proofing sprinkler systems, I thought... "nope, not going there, the stress of the pool is all I can handle right now."
Sadly most people find out the hard way, regardless of the carrier. Flood insurance is similar. Its a specific add on and the normally covered water damage (pipe break, etc) does not cover a flood.it specifically doesn't cover any damage caused by freezing. To anything. Really it's a pretty crappy policy, I wish I had understood it better.