re: Flood insurance ( how much coverage is needed)

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I have a spec home in Ascension parish and is appraised around 185K.

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Ballpark around $100 sq ft for replacement cost. Thats what you base the amount of insurance coverage on.

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So does anyone have any experience with the recent flooding on how much would actually be needed if my house were to flood lets say.... 2ft?

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You need to have coverage for at least 80% of the reconstruction cost to avoid being paid actual cash value on the claim (depreciated value). If you're insured at better than 80% of the replacement value, then you should get paid replacement cost on building damage.

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I asked for a quote on 50k, 100k, and 150k.

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