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Started By
Message
Home Owners Insurance but no flood insurance question
Posted on 8/23/16 at 7:19 am
Posted on 8/23/16 at 7:19 am
Is homeowners (State Farm specifically) providing any assistance, such as displacement assistance or anything like that that ya'll are aware of?
Checking in for an elderly relative.
TIA
Checking in for an elderly relative.
TIA
4
Posted on 8/23/16 at 7:20 am to notiger1997
You should call State Farm and ask. Then report back here.
Profit??
Profit??
Posted on 8/23/16 at 7:20 am to notiger1997
quote:
Home Owners Insurance but no flood insurance
"Did you have any signs of sewage backup in your home?"
"YES!"
Posted on 8/23/16 at 7:24 am to terd ferguson
Mine got shot down, not by SF but I have pictures of Full bathtubs and toilets with the water below them and they said tough shite it was caused by a flood.
Posted on 8/23/16 at 7:25 am to Muice
quote:
Mine got shot down, not by SF but I have pictures of Full bathtubs and toilets with the water below them and they said tough shite it was caused by a flood.
Yeah I heard people thought they'd be okay going this route but I was highly skeptical.
Posted on 8/23/16 at 7:26 am to gatorhater08
Good luck getting them on the phone.
Posted on 8/23/16 at 8:22 am to Dorothy
quote:
Good luck getting them on the phone.
I called my Agent and bought flood insurance last week. Took me like 20 minutes, and I was done.
Posted on 8/23/16 at 8:24 am to terd ferguson
quote:
"Did you have any signs of sewage backup in your home?"
"YES!"
Word on the street is you just need to know how to answer. ;)
Posted on 8/23/16 at 8:27 am to terd ferguson
quote:
"Did you have any signs of sewage backup in your home?"
Typically homeowners covers sewage backup from an onsite drain line clog. Not from offsite sewage backup...
Posted on 8/23/16 at 8:30 am to wickowick
Sewage backup coverage is a specific rider you must have before they will pay for that damage, and the max amt they will pay is $10k
This post was edited on 8/23/16 at 8:31 am
Posted on 8/23/16 at 8:30 am to wickowick
Correct answer.
Posted on 8/23/16 at 8:34 am to notiger1997
Man it would sure suck if all that flooding ruined your electrical system and something shorted out and caught fire. That would really suck.
Short of that I don't see how your homeowners will cover anything. At least in a hurricane situation, you can attempt to argue hey my roof blew apart before the flood started. You can't even do that here.
Short of that I don't see how your homeowners will cover anything. At least in a hurricane situation, you can attempt to argue hey my roof blew apart before the flood started. You can't even do that here.
Posted on 8/23/16 at 8:36 am to notiger1997
So what's the deal?
I have flood insurance, and my house had 7ft of water in. I'd say we were/are displaced.
Will my homeowners offer any kind of "displacement assistance?"
I have flood insurance, and my house had 7ft of water in. I'd say we were/are displaced.
Will my homeowners offer any kind of "displacement assistance?"
Posted on 8/23/16 at 8:37 am to SG_Geaux
quote:
I called my Agent and bought flood insurance last week. Took me like 20 minutes, and I was done.
You mean they were quick to take your money? GTFO.
Posted on 8/23/16 at 8:39 am to heypaul
quote:
Will my homeowners offer any kind of "displacement assistance?"
Unfortunately not, you do not have a covered loss under the homeowner's policy.
Posted on 8/23/16 at 8:49 am to heypaul
Flood is not a covered peril in a homeowners policy. Your displacement was caused by flood. No coverage. I am glad you had flood ins. Many are not in your shoes and have a difficult situation to deal with. Good luck.
Posted on 8/23/16 at 8:55 am to dwr353
Some people got displacement assistance for Katrina under homeowners, but that was because they either suffered non-flood damage, and/or were subject to a mandatory evacuation.
Posted on 8/23/16 at 8:55 am to dwr353
Seems like a stretch. You hear all these stories about other people getting paid for stuff like that but when it comes to you making a claim they NEVER pay.
Posted on 8/23/16 at 8:57 am to LSUFanHouston
quote:
and/or were subject to a mandatory evacuation.
You are correct, but I don't think there were any mandatory evacs for this event. If there were that payment would be good for only a couple of days when the mandatory evac was in effect.
Posted on 8/23/16 at 9:01 am to LSUFanHouston
A hurricane is a covered peril. Flood is not. I understand people are in a bind, but this was all flood related.
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