re: Flood insurance plus content

I know they ask the question on the application, but I believe you are correct. Especially not for a natural disaster of this proportion. And I can tell you right now, this is an opportunity for our senators and congressman to step up to the plate, and get funds secured from congress for those that weren't insured. We're about to see how much pull LA has in that regard.

on the roof.... The insurance agent walked the property and took pictures of the roof with me standing there prior to closing.

My gripe was quite legitimate as he told me I was good for coverage and good to go prior the incident

Got off the phone with the adjuster and he said our appliance are covered except the deep freeze

Still hard to say as your agent isn't an inspector and won't necessarily find all issues someone like a contractor necessarily can

If there was a hidden defect, then it was just an unlucky circumstance that there isn't much you can do about it. Pictures can only tell you so much (discoloration, missing shingles, debris, obvious issues of that nature)

I can guarantee you that the underwriter told the agent to notify the OP that his roof needs to be changed.

That, and duke will win by 70.

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Flood insurance plus content by jimjackandjose
on the roof.... The insurance agent walked the property and took pictures of the roof with me standing there prior to closing.

My gripe was quite legitimate as he told me I was good for coverage and good to go prior the incident

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i mean, that sucks that that happened to you, but that is pretty standard operating procedure. If your roof needed replacing, that should have shown up on your inspections pre closing. Your agent is not qualified to determine if your house meets the levels needed by the underwriter to be insured. They get you your policy without any real inspection. Within the first week, an inspector comes out and makes a determination if anything has a high chance of causing a claim. If you have trees hanging over your roof, debris in your yard, etc they can tell you you need to mitigate that risk in order to remain insured.

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No, homeowners will not cover any losses due to rising water

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I was reading over my parents insurance today and it list content on a separate sheet. they have all-state

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All flood policies are written by and paid by the federal government. Insurance companies are just a servicing agent. Building and contents coverage are sold separately on my policies (based on the flood zone) Zone X (which is the lowest risk has contents included automatically) where as Zone A -(High risk you have to buy it separately). No flood policy covers additional living expenses (hotel/displacement costs)