Allstate Insurance Jennings La

If you’re looking for Quotes from Allstate Insurance in Jennings Louisiana Look No Further!

As a leading independent agency Jeff Davis Insurance offers insurance protection through Allstate Insurance as well as coverage from other top rated insurance companies in Jennings Louisiana and the surrounding areas.

Call 337-824-4455 to chat with one of our experienced agents or use our handy online quote form by clicking one of the links below:

Are All Unintentional Claims Covered by My Home Insurance Policy?

In our past three articles we examined how flooding in your home from an interior source can be treated differently by your home policy compared to flooding caused by an exterior source such as an overflowing river or lake.

You might recall that three year old Tiffany Marie was deemed too young to be held accountable for clogging the toilet and causing the flood in her parents’ home.

The subsequent water damage was completely covered by their home insurance policy from Tiffany Marie’s unintentional actions.

In our last article we discussed another claim experienced by Andre and Adelaide.

Their home was also damaged by water after one of their pipes froze and then burst because of a record-setting cold spell in January of last year.

Would Andre and Adelaide’s home insurance claim also be covered in the same way that the Stevenson’s home policy provided coverage for Tiffany Marie’s toilet paper stuffing adventure?

Let’s find out.

Allstate Insurance Jennings La – Would This Be Covered?

Andre and Adelaide decide to go on vacation to Aruba.  To save a few bucks Andre decided to shut off the heat in his house not thinking this could cause a problem.

Unfortunately the pipes froze in their house (because of the lack of heat) and then they burst causing quite a bit of water damage.

Andre and Adelaide file a claim with their company after discovering the damage and after the claims investigation, Andre and Adelaide receive a claims denial in the mail!

Why was this claim denied?

Please note how Andre and Adelaide’s policy reads:

We do not cover loss caused directly or indirectly by any of the following excluded peril…

  1. freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system, or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing, while the dwelling is vacant, unoccupied or under construction, including being newly built, remodeled, reconstructed, renovated or repaired. This provision does not apply if you have used reasonable care to: 

a.maintain heat in the building; or 

b. shut off the water supply and drain the system and appliances of water;

Ouch!

As you can see in the language of their policy, because Andre and Adelaide did not use “reasonable care to maintain heat in the building” while they were away, their insurance company was within their rights to deny coverage.

So the decision Andre made to save a little money ended up costing him over $10,000 out-of-pocket!

An expensive lesson learned.

Allstate Insurance Jennings La – Need Quotes Today?

Insurance is very complicated and for this reason it’s important to work with an agency that will help you choose the coverage you need.

Call us today at 337-824-4455 or try our simple online rate quote form available 24 hours a day by clicking one of the following links:

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