Property FAQ
If you have a question that is not answered on this page, please contact Ashly Patry.
Does the parish have to pay a deductible when someone else causes the damages?
Yes. When someone else causes damages, such as driving a vehicle through a fence, our Claims Manager places that person’s insurance carrier on notice. To facilitate repairs, our Claims Manager will ask for several proposals and then authorize repairs to be conducted as soon as possible. Payment will then be made to the parish, minus the deductible. Once the work is complete, subrogation against the at-fault party’s insurance carrier will be pursued. Once the money is recovered from the insurance carrier, the parish will be reimbursed the deductible. Please note that if 100% of the money is recovered, the parish will receive 100% of the deductible back. In some instances, only a portion of the money is recovered. For example, if 80% is received from the other carrier, the parish will be reimbursed 80% of the deductible.
Is all property damage covered?
No, there are exclusions on the policy. In general, damage from a fire, flood or severe weather is covered. Damage resulting from corrosion, deterioration, rot and wear-and-tear is not covered.
What type of property is covered under our plan?
Damage to real property and contents owned by the parish, school or institution are covered.