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damaged home from flood chbelfiore 03-24-2008
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Posted by chbelfiore via HomeKB.com on March 25, 2008, 11:18 am
Yes - it is a hometown insurance agency that my dad actually worked for when
I was a kid. That is how long this guy has been around. I think he might have
even gone to school with my parents....

I am going to call them to see if they broker the federal program. My guess
is that they don't.

JoeSpareBedroom wrote:
>Did you buy this policy from a local agent who was familiar with the history
>of the area?
>
>>I spoke with my insurance company and my flood insurance only covers back
>>up
>[quoted text clipped - 25 lines]
>>>>
>>>> Where do you live?

--
Message posted via http://www.homekb.com


Real Goods Solar, Inc.
Posted by JoeSpareBedroom on March 25, 2008, 11:29 am
If it's any consolation, I assume the ground's still frozen where you live.
That has to improve over the next week or two. Here (Rochester NY), we had
similar problems, but on a much smaller scale. Certain lawns in my
neighborhood are now ice skating rinks. The worst ones are those where the
owners are stupid and cut their grass too short. Lousy root systems, lousy
drainage.


> Yes - it is a hometown insurance agency that my dad actually worked for
> when
> I was a kid. That is how long this guy has been around. I think he might
> have
> even gone to school with my parents....
>
> I am going to call them to see if they broker the federal program. My
> guess
> is that they don't.
>
> JoeSpareBedroom wrote:
>>Did you buy this policy from a local agent who was familiar with the
>>history
>>of the area?
>>
>>>I spoke with my insurance company and my flood insurance only covers back
>>>up
>>[quoted text clipped - 25 lines]
>>>>>
>>>>> Where do you live?
>
> --
> Message posted via http://www.homekb.com
>



Posted by on March 24, 2008, 12:51 pm

>I spoke with my insurance company and my flood insurance only covers back up
>or overflow of sewer and/or sump. Damage from water sitting outside and
>causing pressure on the walls is NOT covered on any part of my Homeowners
>Insurance. There is not even a policy on it that I can purchase.


Look at the federal flood insurance program. You are right, private
carriers do not underight flood insurance but they do broker the
federal program.

Posted by cshenk on March 24, 2008, 1:06 pm
"chbelfiore" wrote

>I spoke with my insurance company and my flood insurance only covers back
>up
> or overflow of sewer and/or sump. Damage from water sitting outside and
> causing pressure on the walls is NOT covered on any part of my Homeowners
> Insurance. There is not even a policy on it that I can purchase.

I just called mine back after reading this. I have better coverage as i
stipulated anything a hurricane or flooding can do. I probably pay more too
(about 400$ a year, more like 2,000$ deductable). My 'cap' is 145,000$

Good thing I asked for the extra. Could be in your area, it's just not
available? I am not in a 'flood zone'. They checked first.



Posted by on March 25, 2008, 1:13 am
> I spoke with my insurance company and my flood insurance only covers back up
> or overflow of sewer and/or sump.

That's not flood insurance, it's a backup of sewer and drain rider on
homeowners. Unfortunately, that's an important distinction.

Flood insurance is specifically for surface water problems, it's a
separate policy from your homeowners insurance. Home flood insurance is
essentially a government monopoly for ordinary houses (up to 250,000
home value).

> Damage from water sitting outside and
> causing pressure on the walls is NOT covered on any part of my Homeowners
> Insurance. There is not even a policy on it that I can purchase.

There is -- flood insurance. If you aren't in a high-risk flood zone,
it's not even a very expensive policy, maybe a few hundred a year.
(Unless you're in a community that told the federal government to stick
it where the sun doesn't shine -- there are still some communities that
refuse to comply with federal flood insurance standards.)

I don't suppose you have it in writing that you requested flood
insurance when you insured your house? Backup of sewer & drain is not
flood insurance, there's a remote chance you'd have an Errors &
Omissions claim against your insurance agent if you could show you
specifically asked for flood insurance and the agent didn't either quote
real flood insurance.

Disclaimer: I am not your insurance agent, I don't know where you live,
and I don't know what policies you have. So this can't possibly be
specific advice, it's just general discussion.

--
josh@phred.org is Joshua Putnam
<http://www.phred.org/~josh/>
Braze your own bicycle frames. See
<http://www.phred.org/~josh/build/build.html>

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