Re: [A/S] Hail damage - insurance claim

[Gary Quamen <gquamen@xxxxxxxx>]

Hi Hunter:

I have been following this issue for some time now because I too have 
Formost policy.  I have the Sportsman Policy.  Is that what you have?

If you do, they get a little "fuzzy" about hail damage coverage.  My 
policy states, in effect, that only structural damage that "penetrates 
the exterior surface" or "cracks or breaks support materials" will be 
reimbursed for repair or replacement.

Hail dents on the exterior surface that do not cause structual damage, 
and "do not effect the utility" are apparently handled differently as 
follows:

"The amount WE pay for this will be the difference between the actual 
cash value of YOUR property immediately before the loss and its actual 
cash value immediately after the loss."

Open to a lot of interpretation, huh?

later,

GQ '67 Safari