Bad faith votes against Sandy claims

January 18, 2013

Legal Research: Insurance hurricane SandyIn Sandy’s wake, there are legitimate questions about national disaster relief programs for the future, including whether the availability of Flood Insurance to backstop continuing construction in areas prone to flooding is actually a good thing for the United States going forward.

However, this is not the same thing as refusing to pay Flood Insurance Claims already incurred by people suffering from Sandy.

On January 15, 2013, 180 Members of Congress (Representatives) voted against disaster relief for Sandy victims.  They lost the vote.  Here is a roll call from the House of Representatives website.  Two-hundred-forty-one Representatives voted in favor.  On January 4, 2013, 67 Representatives voted against Flood Insurance for Sandy Claims.  They lost that vote, too.  Here is a roll call from the House of Representatives’ website.

Moreover, most if not all of the Representatives who voted against Flood Insurance for Sandy Claims are from States that take more money from the Federal treasury than they pay in to it.

The majority of these persons, finally, appear to have so-called “safe seats” in States that were untouched by Sandy, meaning that they are unlikely to be damaged electorally by their votes against Flood Insurance fo rSandy victims.

These people may have a right to vote against paying valid insurance claims, if we let them. But an insurance adjuster making the same decision would commit Bad Faith.

Finally, we would like to make a special mention of one Representative who voted against Flood Insurance for Sandy Claims on January 4th, but who voted in favor of disaster relief for Sandy victims on January 15th.  That one person is Rep. Steven Palazzo of Mississippi.  In the time between the 4th and the 15th of January, Rep. Palazzo actually visited the areas hit by Sandy and saw for himself how Sandy left many of its victims desperately in need of help.