- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
People WITH flood insurance
Posted on 8/15/16 at 6:48 am
Posted on 8/15/16 at 6:48 am
What do we do?
I know we need to document everything. I know we need to dry and mold. What are other tips?
Should I go buy clothing and items to replace things now or wait for their check?
My wife's SUV was flooded. Should I wait for car insurance to pay for it or go ahead and go buy one so she has transportation for our kids?
I know we need to document everything. I know we need to dry and mold. What are other tips?
Should I go buy clothing and items to replace things now or wait for their check?
My wife's SUV was flooded. Should I wait for car insurance to pay for it or go ahead and go buy one so she has transportation for our kids?
19
Posted on 8/15/16 at 6:50 am to Rossberg02
You're on the hook for whatever isn't covered
Posted on 8/15/16 at 6:52 am to Rossberg02
Take care of your immediate needs first.
Food
shelter
things
Also, you are the adult and are responsible to smooth your children's path through these times.
Good luck to you and yours.
Food
shelter
things
Also, you are the adult and are responsible to smooth your children's path through these times.
Good luck to you and yours.
Posted on 8/15/16 at 6:52 am to Rossberg02
Read your policy. Does it cover contents, aka items inside the house? Also, with the massive damage, don't expect it to be resolved with an extreme quickness.
I'd buy the essentials and wait until I contact them to get more.
I'd buy the essentials and wait until I contact them to get more.
Posted on 8/15/16 at 6:55 am to Rossberg02
quote:
My wife's SUV was flooded. Should I wait for car insurance to pay for it or go ahead and go buy one so she has transportation for our kids?
If they didn't cover it, would you buy one or just have her... well, you know, walk.
Good idea to save your receipt though.
Posted on 8/15/16 at 6:58 am to Rossberg02
quote:
Should I wait for car insurance to pay for it or go ahead and go buy one so she has transportation for our kids?
Settle down and think, your wife is talking through your TD post..so much emotion.
Talk to your agents and weigh your options. Dont hurry up and do anything, it's tends to be a mistake when done in that manner
Posted on 8/15/16 at 6:59 am to Rossberg02
Video your house and put it on a jump drive or 3, save all receipts, document everything. Start ripping out everything's that's to get your house whole.
Posted on 8/15/16 at 7:00 am to Grassy1
Flood covers 200k structure and 80k contents. I know I don't have 80k as we just moved into this house and were pretty skinny with items.
I'm not sure if flood covers the car but I was more interested about the auto insurance totaling it and if we should go ahead and go buy another one before the check.
I'm not sure if flood covers the car but I was more interested about the auto insurance totaling it and if we should go ahead and go buy another one before the check.
Posted on 8/15/16 at 7:04 am to Rossberg02
quote:
I'm not sure if flood covers the car but I was more interested about the auto insurance totaling it and if we should go ahead and go buy another one before the check
Do you have a more comprehensive policy?
It all depends on what limits you have on your policy.
I've had a car flood and while the car was totaled, they cut me a check and I was able to buy a new car within a week.
Again, that's auto policy and not homeowners/flood.
Posted on 8/15/16 at 7:06 am to Rossberg02
quote:
Flood covers 200k structure and 80k contents. I know I don't have 80k as we just moved into this house and were pretty skinny with items.
I think it's been mentioned, cut out carpet and drywall once it's safe to do so. Don't throw away valuables because an adjuster should be out there sooner or later.
Take pictures of everything (in every damn angle) before you do any work.
Obviously, get family in a safe place where y'all can settle in for a few months first.
Posted on 8/15/16 at 7:08 am to Rossberg02
You will be fine......I assume you have a reputable ins co. Seriously, calm down. Like what was said earlier, the reimbursement will take some time due to the immense hit the area is taking.
You will have to endure some hardship for now and I'd suggest getting out of town if you can.
Does your policy have a Loss Of Use provision? If so, LEAVE!
You will have to endure some hardship for now and I'd suggest getting out of town if you can.
Does your policy have a Loss Of Use provision? If so, LEAVE!
Posted on 8/15/16 at 7:08 am to Rossberg02
Don't buy a new car before you've talked to your agent. You can get a rental for at least 30 days if you have that coverage on your auto.
Posted on 8/15/16 at 7:10 am to Rossberg02
quote:
I'm not sure if flood covers the car but I was more interested about the auto insurance totaling it and if we should go ahead and go buy another one before the check
If you have comprehensive coverage, flood (water) loss should be covered. If the water rose high enough in the vehicle to catch wiring, electronics, etc, it will almost certainly be declared a total. I would personally wait on your adjuster to view the damage before proceeding with the purchase of another vehicle. If your car isn't driveable, and you have rental coverage on the policy, file a claim and get into a rental if you're in desperate need of a vehicle.
Posted on 8/15/16 at 7:11 am to Rossberg02
Call your insurance agent or the 1-800 number of your carrier.
That will start the process. National carriers will be sending extra adjusters from all over the country to help with claims.
That will start the process. National carriers will be sending extra adjusters from all over the country to help with claims.
Posted on 8/15/16 at 7:11 am to Rossberg02
If you have flood insurance contact them NOW to get the process started, don't wait until you can get back there
Posted on 8/15/16 at 7:13 am to Rossberg02
Document everything. Be thorough and if possible demand to work with a local adjuster. With something this large they will be bringing in people from all over, but you will want to work with someone who knows the area. And get ready to fight fot every dollar.
Posted on 8/15/16 at 7:13 am to Rossberg02
Are appliances covered by flood insurance or is that part of the "valuables/contents"?
Posted on 8/15/16 at 7:16 am to Rossberg02
receipts for contents are helpful if you have them. We leaned after the last flood to scan all receipts and important papers to a thumb drive.
Posted on 8/15/16 at 7:17 am to CoachChappy
quote:
re appliances covered by flood insurance or is that part of the "valuables/contents"?
Generally, if it's built in (dishwasher and some fridges) it is included but washing machines and dryers have sometimes been excluded from what's considered structural. And included in valuables and contents.
If you have $80K in coverage, you should be ok.
Posted on 8/15/16 at 7:29 am to Rossberg02
Do following:
1. Contact insurance provider ASAP and file claim
2. Remove flooded carpert ASAP
3. Get some fans and try to dry the area as much as possible.
4. Make inventory of damaged stuff
Usually flood adjusters are pretty liberal with their adjustments bc FEDGOV is footing the bill.
1. Contact insurance provider ASAP and file claim
2. Remove flooded carpert ASAP
3. Get some fans and try to dry the area as much as possible.
4. Make inventory of damaged stuff
Usually flood adjusters are pretty liberal with their adjustments bc FEDGOV is footing the bill.
Page 1 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News