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2021 texas catastrophe insurance claims


Hagbard Celine

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I called on pool equipment and it's supposed to be covered under other structures.  The insurance company had an agent call.  I sent her the estimate and pictures of the damage.  I haven't heard back in a couple of days, but assuming they pay out minus the deductible, they'll be covering about 40% of the damage.  That's better than a sharp stick in the eye.

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Most policies (I think) require "reasonable efforts" to help frozen pipes only on unoccupied properties. So leave heat on, or turn off water. 

But some policies mention reasonable efforts for freezing pipes, even for non vacant property. I'm a super interested what the heck that means re the age old drip vs cover argument. Or relatedly, is it unreasonable to have neither dripped nor covered. 

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