Our backyard looked like an ocean due to the towns drainage system not keeping up with the amount of rainfall we had. The street was 2 ft deep. Finally it came through our living room via the garage and flooded out 3 rooms and part of the basement. I called the insurance company and they are sending someone out I believe. Anyone have experience with something like this? What should I know going into this?
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House flooded last night in rain storm*UPDATE*
- Thread starter new2AMD
- Start date
imported_weadjust
Golden Member
Do you have flood insurance?
Homeowner's policies exclude water damage caused by flooding unless you buy the additional flood insurance coverage. Read your policy and coverages.
Homeowner's policies exclude water damage caused by flooding unless you buy the additional flood insurance coverage. Read your policy and coverages.
BlueWeasel
Lifer
This is what USAA has to say about flood damage. I hope for your sake that, in your case, they are wrong.
"Homeowners insurance policies do not cover damage from flooding. If you already have homeowners insurance, you may need flood insurance, too.
Your homeowners policy may cover some types of water damage. For instance, if a windstorm blows away a portion of your roof, and rainwater enters your home through the opening, the additional damage would be covered. However, homeowners insurance does not cover water damage resulting from:
The overflow of inland or tidal waters
The unusual and rapid accumulation or runoff of surface waters
Mudflows caused by flooding, such as liquid and flowing mud on the surface of normally dry land areas "
"Homeowners insurance policies do not cover damage from flooding. If you already have homeowners insurance, you may need flood insurance, too.
Your homeowners policy may cover some types of water damage. For instance, if a windstorm blows away a portion of your roof, and rainwater enters your home through the opening, the additional damage would be covered. However, homeowners insurance does not cover water damage resulting from:
The overflow of inland or tidal waters
The unusual and rapid accumulation or runoff of surface waters
Mudflows caused by flooding, such as liquid and flowing mud on the surface of normally dry land areas "
In 1994 we had a 100yr flood that inundated 16 homes in my housing development (as well as many others throughout the city). The homes in our development were NOT in the flood plain. Those who had flood insurance got paid, those who didn't, didn't. Some level of disaster was declared which allowed for the non-insured to get low cost loans to repair, but anything else was on them. Afterwards, they redid the flood maps and included those lots as being in the flood plain.
Good luck! I know from having been involved in aftermath of that flood just how devastating it can be.
Good luck! I know from having been involved in aftermath of that flood just how devastating it can be.
In 1999 we had a major ice storm which took out power and caused floodind due to sumps not working. They changed the insuracne laws I believe to cover any sort of flooding since then. I am under the impression I can make a claim cuz I called my agent this morning and told them the deal and they said they would file a fast claim for me but it will take a little bit due to the amount of claims coming in today.
richardycc
Diamond Member
you might have to sue the city to get some money for the demages. you want to document everything, take pictures, video, etc, its gonna be an uphill battle, good luck!
imported_weadjust
Golden Member
Sueing the city would be a waste of time and money. The city has not done anything negligent to cause the house to floood.
They changed the insuracne laws I believe to cover any sort of flooding since then. I am under the impression I can make a claim cuz I called my agent this morning and told them the deal and they said they would file a fast claim for me but it will take a little bit due to the amount of claims coming in today.
Good! Who'd thought that your own insurance agent might actually know more about your situation than we do? 😀
Good! Who'd thought that your own insurance agent might actually know more about your situation than we do? 😀
Our city is being sued for flood damages because the storm drains are not adequate to deal with the run off. City is fighting back, but they lost the first round.
I had the same problem earlier.
http://forums.anandtech.com/messageview.cfm?catid=38&threadid=1314733&highlight_key=y
My wife works for State Farm and this is what she said about your situation....rising water is not covered by homeowners insurance...you have to have flood insurance for that....water coming in from above...as was mentioned a roof being ripped off is covered!! I'm hoping for you in your case that a law was passed as you said.
I have state farm (at least for now) and that is what they are telling me. I have a feeling this is going nowhere and my wife and I are screwed. I had gutter damage and when the claim adjuster comes today we are going to try and convince him that the gutter damage is what caused the water to come in.
Needless to say I hate insurance compaines cuz its such a scam. You pay them in hopes that nothing happens and when it does they screw you over. If by chance you do take a claim they just raise your rates or dump you all together.
Mermaidman
Diamond Member
Slightly OT, I was told that damage from slow leaks in plumbing is usually not covered by insurance. Sudden plumbing disasters, however, are covered. Anyone verify this?
To the OP--Can you get government assistance?
To the OP--Can you get government assistance?
Its not the end of the world if we dont get insurance to cover this, its just a bunch of garbage they way they do this stuff.
One thing that might happen is the town may have to pay because it was our whole street that this happened to and this isnt the first time people have complained about the lack of drainage. We will see.
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