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#324547 - 10/01/10 06:35 PM Re: Storm [Re: Adrian]
RickF Offline
axiomite

Registered: 02/26/05
Posts: 5210
Loc: Vero Beach, Florida
Originally Posted By: CatBrat
One of my neighbors said his insurance couldn't sell him flood insurance because we don't live in a flood plane.

Nah.

Millions of people have flood insurance that don't live in a floodplain, it's to cover water damage just like you experienced Brian. We don't live in a floodplain but wouldn't consider not having flood insurance due to the number of tropical storms we have.

Good luck with everything and get that flood insurance!
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#324548 - 10/01/10 06:38 PM Re: Storm [Re: RickF]
Ken.C Offline
shareholder in the making

Registered: 05/03/03
Posts: 17809
Loc: NoVA
Coworker of mine just found out that his basement flooding wasn't covered.
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#324549 - 10/01/10 06:39 PM Re: Storm [Re: Ken.C]
RickF Offline
axiomite

Registered: 02/26/05
Posts: 5210
Loc: Vero Beach, Florida
With flood insurance Ken?
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#324550 - 10/01/10 06:39 PM Re: Storm [Re: RickF]
Ken.C Offline
shareholder in the making

Registered: 05/03/03
Posts: 17809
Loc: NoVA
I don't think he had flood insurance, no.
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#324554 - 10/01/10 06:52 PM Re: Storm [Re: Ken.C]
RickF Offline
axiomite

Registered: 02/26/05
Posts: 5210
Loc: Vero Beach, Florida
Oh, that makes sense then.

We've found that usually any water damage whatsoever has to be covered through flood insurance and where we live we also have a separate windstorm policy just for hurricanes in addition to homeowner's and flood.

Windstorm is a state mandated policy for anybody living within 5 miles (IIRC) of the coast and the premiums got so out of hand after the last hurricanes that a large number of the the folks who had their houses paid off here on the island dropped their insurance polices altogether. Speaking with my agent a few years back I was told that some of his customers with large homes were paying upwards of $50-$150k annually just for the windstorm policy.
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#324561 - 10/01/10 07:58 PM Re: Storm [Re: RickF]
CatBrat Offline
axiomite

Registered: 08/05/09
Posts: 5932
Loc: Milky Way Galaxy
For some reason, I did get earthquack coverage. Not sure why now, I don't thing we've ever had a devastating earthquack here in Kansas City.

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