re: Flood insurance doesn't cover back water flooding?

Yes they do, but agents are kidding themselves if they think they have any say in a claim. Yes sometimes it is beneficial to a company to keep an agents business and pay on a claim they shouldnt, but that is rare.

Tell me this, who decides of something is compensable, covered, within policy period, covered parties/properties, etc.?

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but agents are kidding themselves if they think they have any say in a claim. Yes sometimes it is beneficial to a company to keep an agents business and pay on a claim they shouldnt, but that is rare.

Tell me this, who decides of something is compensable, covered, within policy period, covered parties/properties, etc.?

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Dude, i get what you are saying. yes, i'm not supposed to confirm or deny anything when it comes to claims, yes we submit and its the companies responsibility to handle. That doesn't mean i don't have an obligation to interpret policies and know what i'm selling. you have a very wishful thinking mindset when you are assuming underwriters and adjusters are more skilled in the craft of knowing insurance policies though, they really aren't on hook for anything. agents are on the hook. also, this has nothing to do with the OP hearing second hand from some dumb broad who possibly has a job within an insurance agency answering phone calls and inputting data in a computer system.

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The point being there will be difficulties working to "get whole" again. Don't kid yourself and think it'll be easy. That's naive as shite or you are in insurance.

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I'm not in insurance and I didn't say it was going to be easy, I said it was different. I had both a Homeowner's Claim and a Flood Claim after Katrina so some of this is still somewhat fresh in my head. My Flood Claim was processed months before my Homeowners. For Flood, the adjuster and sets "tiers" for the overall cost of the items in your home. The NFIP sets the payout based on those tiers, square footage, and the details of your coverage so it gets done faster and there's less bickering about comps for the work and such. Insurance companies have zero interest in adjusters "fighting" you for every nickel and dime and the adjusters have incentive to err on your side within the law. So, I'll say it again, if you had proper coverage, this is going to be much easier than any Homeowners claim. Got it?

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No, but how about don't shite on an industry that you know little about?

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So if I am an expert on claims, it's ok for me to shite on the industry then? Ok cool. Frick insurance.

You're an expert in an industry that you hate?

Yes, frick insurance until you bitch and moan about not having it for a loss.

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Well the actual adjusters have a financial incentive to give you as much of a claim as possible with regards to flood, so this would be unlikely to come from the adjuster.

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What?

Flood, as used in this flood insurance policy, means:
1. A general and temporary condition of partial or complete
inundation of two or more acres of normally dry land area
or of two or more properties (one of which is your
property) from:
a. Overflow of inland or tidal waters,
b. Unusual and rapid accumulation or runoff of surface
waters from any source,
c. Mudflow.

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That's what I was told. Is that accurate?

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But back to the OP, no.

Or rather, it depends on what you mean, which I don't exactly understand.

Do you mean the bayous running backwards and coming up your storm drains to flood your street and then your house? Yes, that's covered by Flood Insurance.

Do you mean your toilets and showers filling up with water and crap and flooding you house that way?

Depends...

If that is accompanied by rising water all around your house, most likely, yes that's covered by Flood Insurance. Because the proximate cause was rising water (from the flood).

If that is occurring in isolation (there is no rising water around your home) then it is not going to be covered by Flood. That is what Backup of Sewers or Drains Coverage is for. If it is a clear blue day and your drains backup into your house and your policy has zero Backup of Sewers or Drains Coverage, you are effed. Also, such coverage is normally sublimited, you you can hit the sublimit and be capped at way less that the damage really was.

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Yes, frick insurance until you bitch and moan about not having it for a loss.

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Or when your claim is denied for spurious reasons.