quote:
1. Your insurance agent fricked up (sue their E&O policy) 2. You CHOSE to under insure your home and contents. 3. You needed more than the maximum of $250,000/$100,000 building/contents coverage. When that happens, it's the homeowners responsibility to buy excess flood coverage from a broker. 4. You stupidly let your mortgage company take care of getting your flood insurance for you. When you do this, the MORTGAGE COMPANY will only get your HOME covered, not your contents. YOU, the buyer, have to sign off on that. If you didn't know what you were signing, I shouldn't have to help you.

Well.... I lost 45 feet of land. A bulkhead. A boat house. All of it is gone, and the foundation of my house now hangs over the Amite.

NO insurance covers any of those things. It will cost over a quarter million dollars to shore up our home. None of which insurance will cover.

I can literally stand under the slab of my house and reach my hands up and still not touch the slab. If it continues to erode uninterrupted, the entire house will fall in. The flood completely shifted the rivers course.

And save me the "you shouldn't live by a river" bullshite. With that logic, new Orleans should have gotten zero after katrina. "Ya shouldn't build in a fricking bowl surrounded by water".

A river completely shifting it's course isn't exactly something that is planned on when neighborhoods get permitted for construction.

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Posted by LSUFanHouston

NOLA

Member since Jul 2009

37334 posts

Posted on 4/3/17 at 3:35 pm to beerJeep

quote:
Well.... I lost 45 feet of land. A bulkhead. A boat house. All of it is gone, and the foundation of my house now hangs over the Amite.

NO insurance covers any of those things. It will cost over a quarter million dollars to shore up our home. None of which insurance will cover.

I can literally stand under the slab of my house and reach my hands up and still not touch the slab. If it continues to erode uninterrupted, the entire house will fall in. The flood completely shifted the rivers course.

And save me the "you shouldn't live by a river" bullshite. With that logic, new Orleans should have gotten zero after katrina. "Ya shouldn't build in a fricking bowl surrounded by water".

A river completely shifting it's course isn't exactly something that is planned on when neighborhoods get permitted for construction.

I feel for you.

Who is responsible for maintaining the waterway? That's the entity you have a claim against, if anyone.

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