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Message
Loss of all items in storage units (questions)
Posted on 8/17/16 at 9:48 am
Posted on 8/17/16 at 9:48 am
So I have two storage units that were flooded out and the company is saying it is mandatory that I come clear and clean out the storage unit. So obviously, i have a few questions:
1. Are those items insured? Is the storage unit liable for insuring?
2. Does the company have the authority to dispose of items in units that are being paid for? How can they force removal?
3. Do those items qualify for FEMA assistance?
4. How does one go about applying for answers/assistance?
I don't care if storage units are trashy, I'm genuinely curious what the protocol is here (these are climate controlled if that makes any difference)
1. Are those items insured? Is the storage unit liable for insuring?
2. Does the company have the authority to dispose of items in units that are being paid for? How can they force removal?
3. Do those items qualify for FEMA assistance?
4. How does one go about applying for answers/assistance?
I don't care if storage units are trashy, I'm genuinely curious what the protocol is here (these are climate controlled if that makes any difference)
This post was edited on 8/17/16 at 9:52 am
11
Posted on 8/17/16 at 9:49 am to theunknownknight
quote:
1. Are those items insured?
under your home owners
Posted on 8/17/16 at 9:50 am to theunknownknight
Do you own a home? If so, it should be covered under your homeowners insurance
Posted on 8/17/16 at 9:51 am to NYCAuburn
quote:
under your home owners
Not for flooding, I don't believe.
Posted on 8/17/16 at 9:51 am to theunknownknight
1. No and no. This is what renters insurance is for.
2. If they are causing issues to said facility, then yes. I.e. Holding water, creating mold, etc.
3. Idk.
4. Talk to storage unit.
2. If they are causing issues to said facility, then yes. I.e. Holding water, creating mold, etc.
3. Idk.
4. Talk to storage unit.
Posted on 8/17/16 at 9:51 am to theunknownknight
Likely so, but you need to read your storage lease agreement to see what it says about this. Also, if you have a homeowners or renters policy for contents, review it as well, because some policies cover your contents even if located off premises. Some exclude that. Good luck.
Posted on 8/17/16 at 9:52 am to Festus
quote:
Festus
quick hijack..
you fair okay?
Posted on 8/17/16 at 9:53 am to MapGuy
Yes, thanks for asking. Had family did not make out so well, but I am fine and no water in house. You?
Posted on 8/17/16 at 9:54 am to theunknownknight
The majority of your questions should be answered in your rental/lease agreement and terms. Start there first.
Posted on 8/17/16 at 9:56 am to theunknownknight
I had two storage units flood also so I'd love to get some feedback on this as well.
Posted on 8/17/16 at 9:57 am to Festus
no water.. fared very well.
-end hijack-
-end hijack-
Posted on 8/17/16 at 9:57 am to Festus
quote:
Not for flooding, I don't believe.
Well, yeah, just like your home.
Posted on 8/17/16 at 9:57 am to theunknownknight
FLOOD.
Unless you specifically bought flood insurance for the contents, you're probably boned. It's almost an absolute certainty that your homeowner's insurance will not cover damage due to rising water. The contract with the storage unit should say what losses they will cover, but I can assure you that it's limited to things that reasonably are their liability (i.e. loss due to failure of their climate control and other things like that) and there's almost certainly language in there that explicitly excludes flood losses.
I'd bet the contract also has language in there that says you're responsible for removal of items that are dangerous or could damage the storage unit (i.e. wet and moldering items).
As for FEMA, you'd do well to claim it now and then let them tell you whether or not they'll cover it. At least get the paperwork started because there's going to be a long line of people submitting paperwork.
Unless you specifically bought flood insurance for the contents, you're probably boned. It's almost an absolute certainty that your homeowner's insurance will not cover damage due to rising water. The contract with the storage unit should say what losses they will cover, but I can assure you that it's limited to things that reasonably are their liability (i.e. loss due to failure of their climate control and other things like that) and there's almost certainly language in there that explicitly excludes flood losses.
I'd bet the contract also has language in there that says you're responsible for removal of items that are dangerous or could damage the storage unit (i.e. wet and moldering items).
As for FEMA, you'd do well to claim it now and then let them tell you whether or not they'll cover it. At least get the paperwork started because there's going to be a long line of people submitting paperwork.
This post was edited on 8/17/16 at 10:02 am
Posted on 8/17/16 at 9:59 am to cbdman
quote:
Also, if you have a homeowners or renters policy for contents, review it as well, because some policies cover your contents even if located off premises. Some exclude that. Good luck.
Guys, unless I'm missing something, your homeowner's policy completely excludes flooding from a disaster. If you don't have coverage for your home or contents on your homeowner's policy during the flood, you won't have coverage for contents off site.
FEMA may, but I doubt it. They usually go off of the address of your home. If your home didn't flood, you probably won't get help with those. If your home did flood, and you pull your contents from storage and lay them in your front yard and don't say anything, then you might possibly get FEMA help. I am in no way encouraging anyone to do this, or be honest. I'm just trying to think of the only way I can that contents in a storage facility would be eligible for any type of recovery during a flood.
And don't take this as gospel. I could be wrong.
Posted on 8/17/16 at 10:00 am to TigerstuckinMS
That's what I'm figuring, hence the question about FEMA assistance. My house won't flood (If it did we would all be flooded over our heads) so I wasn't going to get flood insurance just to cover my storage units.
This post was edited on 8/17/16 at 10:01 am
Posted on 8/17/16 at 10:02 am to Walt OReilly
when you got your storage unit, remember that extra insurance they tried to sell you that you likely declined? That is the supplemental insurance you would have needed and even then I'm not sure if flooding is covered.
Possible homeowners flood insurance could cover, but again doubtful.
Possible homeowners flood insurance could cover, but again doubtful.
Posted on 8/17/16 at 10:08 am to Napoleon
They didn't try to sell me insurance iirc. I might have it. No idea.
Posted on 8/17/16 at 10:12 am to theunknownknight
I doubt they tried to sell you insurance. They are liable for any damage that occurs because of their negligence. Vandals, break ins, etc. And even then, you have to show why they are liable.
They sure as hell didn't try to sell you flood insurance when you moved your stuff in.
They sure as hell didn't try to sell you flood insurance when you moved your stuff in.
Posted on 8/17/16 at 10:15 am to Festus
quote:
If your home did flood, and you pull your contents from storage and lay them in your front yard and don't say anything
I would actually do that. Load everything up in a trailer, haul it to the house, and dump it in the front yard like it was all pulled from inside the house.
You're a smart feller, Fetus.
Posted on 8/17/16 at 10:22 am to NYCAuburn
quote:
nder your home owners
Wrong... Only a portion is probably covered on your home owners. Unless you had a specific endorsement attached. Hopefully, you had coverage through them.
Then the other thing is.... It was a flood. That may be a deal breaker
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