Advocacy: The Great Freeze

Last month San Antonio and South Texas had a very unusual and out of character ‘freeze’.  To my friends in the northeast, our definition of a snow day is comical compared to the severe weather they endure, however once every five years, south Texas decides it is cold enough and there is enough moisture on the ground to justify closing the schools for a day or two.

The particular weather incident lasted for a few days, and we had several clients that had the usual claims of frozen pipes.  But a few had problems with their swimming pools and the related equipment, which begged the question of whether the homeowners policy would respond to a pool related claim.

The first claim report that went to a national carrier was quickly denied under the terms of the exclusion in the homeowners policy that is specific to “damage to swimming pools”.  However, the exclusion does not specifically reference the related equipment used to operate the swimming pool, but just the pool structure itself.

The Personal Lines Team Leader at Texas Associates, in collaboration with our state insurance association researched the issue and provided the necessary documentation and information to the national carrier adjuster to have them reverse their opinion. 

Choice, Customization and Advocacy are the hallmarks of our culture at Texas Associates.  Placing insurance coverage for clients is only part of what we do.  Understanding coverage and advocating for our clients at the time of a loss is what you can expect from our team.

Should you want more information on how we can partner with you, please call our office.

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