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has anyone filed a claim on flood insurance before?
Posted on 8/14/16 at 11:40 am
Posted on 8/14/16 at 11:40 am
if so did your premiums go up?
Posted on 8/14/16 at 11:52 am to Bayoutigre
yes I did and yes they did, but totally worth it. had over $80k in damage post kitrina.
Posted on 8/14/16 at 11:55 am to Gevans17
How much water did you have?
I have about 8ft of water in my house.
I have about 8ft of water in my house.
Posted on 8/14/16 at 12:02 pm to Dagoose
It doses not raise premiums. Insurance companies can not raise your rate do to an act of God. Now usually after An event like major flooding/storms they will raise everyone's rate but it's not like auto insurance
Also, flood insurance is ran through fema.
Also, flood insurance is ran through fema.
Posted on 8/14/16 at 12:06 pm to Gevans17
We did after Isaac. We paid 4,800 dollars for years worth premium $104,000 flood insurance. Austere came out informed me I was under insured. I told him 104,000 was what Hibernia said I had to be insured for to secure their loan. The adjuster hired an appraiser to prove his point without us knowing so he could depreciate by 10%. He called us up told us we had to accept and sign a paper agreeing to his damage accesment before releasing his report to us. AFTER SIGNING HE SAID WE HAD 54,000 IN LOSS DEPRECIATED THAT BY 10% and issued a check for 49,000 issued in ours and Hibernia name. We found out after this last year's March floods you have 90 days from date of flood to file a disputed loss of claim form if you don't agree with the FEMALE adjusters claim. We did not know this 2012. FEMALE does not settle dollar for dollars that you pay for in flood insurance. They try and settle for pennies on the dollars as to the amount of insurance you bought and actually pay for per policy.
Posted on 8/14/16 at 12:10 pm to lacajun069
Call your local insurance provider who underwrites your policy right away to establish claim. Call FEMALE and report claim right away as they have housing allowance programs to assist with rent of new housing while your main dwelling is being rebuilt. At least they offered this in 2012.
Posted on 8/14/16 at 12:23 pm to Bayoutigre
I have done so twice in the last 12 years. My premiums have doubled.
I have no regrets.
I have no regrets.
Posted on 8/14/16 at 12:25 pm to Dagoose
I had 3-4 inches but gutted it to 4 ft, went back with sheetrock full sheets placed horizontally
Posted on 8/14/16 at 1:06 pm to Gevans17
Would think the cost of repairs would increse quite a bit when the entire area has to rebuild. Law of supply and demand would drive up costs of labor as well as material.
80k for less than 1 ft of water. Wow.
80k for less than 1 ft of water. Wow.
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