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Started By
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re: Anyone else rethinking voluntary flood insurance?
Posted on 5/18/21 at 4:27 pm to GreenRockTiger
Posted on 5/18/21 at 4:27 pm to GreenRockTiger
(no message)
This post was edited on 10/18/21 at 10:21 pm
0
Posted on 5/18/21 at 4:29 pm to Chad504boy
quote:
cause you were bet $100 that you weren't in a "no flood zone"
Ok
Posted on 5/18/21 at 4:31 pm to Traveler
quote:
Just to add this here. If you have flood insurance and suffered damages, I can't stress it enough to take pictures immediately of everything damaged to include the standing water inside and outside of your home and property.
It was one of the first thing the adjuster asked for when they arrived to begin the claim process.
Yes!! Unless you’re not allowed back to your house until a few months later bc another hurricane comes through and puts another 6 feet of water in your house
Posted on 5/18/21 at 4:36 pm to lsutiger2010
quote:
I bought it two weeks after I closed on a new property and they made me wait 30 days.
quote:They’re not jerking him around if he waited until 2 weeks after closing to buy flood insurance. The 30 day waiting period is only waived for loan closings and has to be converted into an application on or before the closing date.
That's bullshite if it is a new property. It should kick in immediately. Someone is jerking you around.
If it was a cash sale, the 30 day wait applies no matter what from date of application, so you should buy flood insurance as early as possible in that situation so there’s the least amount of time after closing until it takes effect.
Posted on 5/18/21 at 4:38 pm to GreenRockTiger
quote:
Unless you’re not allowed back to your house
That was part of the problem I had. My claim was minor and the water had already receded, yet the adjuster pressed hard that she needed actual proof that water did come up to the house or the claim might not be accepted. Fortunately, my neighbor had those pics with my house included and she was finally satisfied once she saw them.
Posted on 5/18/21 at 4:45 pm to Traveler
quote:
That was part of the problem I had. My claim was minor and the water had already receded
Yeah - that sucks. Bc if you are out of town or have a chance to leave - then cannot get back - what are you to do?
You would think it would be logical that if several houses in an area flooded, then yours probably did too. But insurance companies rather collect the money than pay it out.
Posted on 5/18/21 at 4:49 pm to choupiquesushi
quote:
Didn't have it may 8, 1995.. I got it May 11, 1995 and have had it every day since.
I remember that storm. Pissed me off because I finished my finals that afternoon and didn't get the opportunity to drink.
Posted on 5/18/21 at 5:00 pm to GreenRockTiger
What she told me later on was that some people had actually brought their water hose from outside and soaked the walls, furniture and carpets in hopes of getting new stuff.
AFAIK, I might be the only one with flood insurance on my block. The area I am in has never flooded since it was developed. It took on water because after the first storm, contractors and tree services were putting the storm debris in the drainage ditches and after the second storm, the water had no place to drain and backed up into peoples yards and homes.
AFAIK, I might be the only one with flood insurance on my block. The area I am in has never flooded since it was developed. It took on water because after the first storm, contractors and tree services were putting the storm debris in the drainage ditches and after the second storm, the water had no place to drain and backed up into peoples yards and homes.
Posted on 5/18/21 at 5:47 pm to dyslexiateechur
Umm, the easiest decision I've ever made. Buy the insurance. I am sleeping like a baby. If I flood ( did not in 2016 but may this year) I am updating the house, listing it and hitting to road to Texas.
Posted on 5/18/21 at 5:53 pm to latxwoman
Nope but I'm considering a mote.
Posted on 5/18/21 at 6:16 pm to dyslexiateechur
quote:
if the extra $700 isn’t worth it for peace of mind?
Mine is $328 a year. You might be cheaper than $700
Posted on 5/18/21 at 7:04 pm to thejudge
Mine is $512 a year I’m not in a flood zone, covers 200k plus 80k in contents through State Farm… I’ll say this between 2016 and last night that’s 2 extremely close calls to close for comfort… $500 bucks is well worth a piece of mind
Posted on 5/18/21 at 8:00 pm to Traveler
quote:
I never had an issue with FEMA's side of it.
Good
Posted on 5/18/21 at 8:06 pm to dyslexiateechur
I’m getting quotes now. Worth the peace of mind. Especially after last night. We can withstand 10 inches in 2 hours in Youngsville but with the way things are going I don’t trust Mother Nature
Posted on 5/18/21 at 8:32 pm to dyslexiateechur
Yeah no thanks. Don’t need it
Posted on 5/18/21 at 8:40 pm to dyslexiateechur
I flooded in 2016. I moved, and I don't live in a flood zone, but I have flood insurance. The peace of mind is somewhat worth it, though I had to fight tooth and nail to get what I was owed in 2016.
So be prepared to fight that fight if you ever have to collect.
So be prepared to fight that fight if you ever have to collect.
Posted on 5/18/21 at 8:41 pm to dyslexiateechur
quote:
We don’t have flood insurance and I’ve always viewed it as a waste of money if you’re not in a flood zone but I’m wondering if the extra $700 isn’t worth it for peace of mind?
Make sure to get that contents coverage as well.
Posted on 5/18/21 at 8:44 pm to dyslexiateechur
Previously I owned a house in flood zone X about two houses down from a house in the lower level flood zone. The fact that flood insurance was so inexpensive in flood zone X made it a no brained to buy it.
Posted on 5/21/21 at 10:12 pm to Ric Flair
I don’t have to have it, but when I saw people in Missouri in the 90s in a 500 year flood plain with water to the rooftops, I sprung for the $400 or so a year (that is the current price; about 200 back then) for peace of mind.
That BR flood a few years ago where the storm cell just sat on them and dumped water confirmed my concerns.
That BR flood a few years ago where the storm cell just sat on them and dumped water confirmed my concerns.
Posted on 5/22/21 at 9:19 am to Chad504boy
quote:
Besides its a tax write off every year.
WTF are you talking about?
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