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House fire of still flooded home in Houston, blessing in disguise?

Posted on 9/2/17 at 9:52 am
Posted by gsvar2004
Member since Nov 2007
8894 posts
Posted on 9/2/17 at 9:52 am
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Just saw this posted on wafb Facebook page. Fire fighters wading through 2-3 feet of water to put out a fire on a housing complex. Blesssing in disguise for the owners? I'm sure many who didn't have flood insurance last year would have rather this, at least they would have gotten something from their insurance.
Posted by 4LSU2
Member since Dec 2009
38170 posts
Posted on 9/2/17 at 9:53 am to
Probably home owner with no flood insurance torched the sonofabitch before daylight
Posted by OysterPoBoy
City of St. George
Member since Jul 2013
45551 posts
Posted on 9/2/17 at 9:56 am to
Would they devalue for the flood before paying out for the fire? If so isn't really a benefit besides dealing with the gutting and whatnot.
Posted by Tiger Prawn
Member since Dec 2016
26338 posts
Posted on 9/2/17 at 9:58 am to
Fire insurance adjuster will probably still determine how high the water got, estimate the cost of the flood damage that occurred before the fire, and subtract that from fire claim settlement. Not that easy to get over on insurance company. And thats assuming the building owner doesnt get busted for arson because the fire dept and insurance company will both be investigating the cause of the fire
Posted by soccerfüt
Location: A Series of Tubes
Member since May 2013
76180 posts
Posted on 9/2/17 at 9:58 am to
I seem to remember a "Which came first?" issue with wind & tidal surge with two different insurance carriers on the same properties following Kortina.
Posted by lsunurse
Member since Dec 2005
129146 posts
Posted on 9/2/17 at 9:59 am to
I would imagine if that person had homeowner's insurance they would investigate the causes for months before making a final decision.


Also...if you got 2-3 feet of water in your home you could still salvage stuff that was higher up. Now with the fire...you really have lost everything.

Posted by wildtigercat93
Member since Jul 2011
116466 posts
Posted on 9/2/17 at 10:35 am to
This happened to my buddy in the flood of last year. Actually think it complicated things moreso than helped
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59453 posts
Posted on 9/2/17 at 10:36 am to
I'd still rather only lose half of my belongings than all of them.
Posted by novabill
Crossville, TN
Member since Sep 2005
10811 posts
Posted on 9/2/17 at 10:53 am to
Homeowners insurance will pay SO MUCH BETTER than flood insurance.
Posted by Geauxtiga
No man's land
Member since Jan 2008
34401 posts
Posted on 9/2/17 at 10:58 am to
quote:

Fire insurance adjuster will probably still determine how high the water got, estimate the cost of the flood damage that occurred before the fire, and subtract that from fire claim settlement.
Still better than nothing.
Posted by CorkSoaker
Member since Oct 2008
9823 posts
Posted on 9/2/17 at 11:15 am to
Not if they determine cause of fire was from flood water.
Posted by Tiger Prawn
Member since Dec 2016
26338 posts
Posted on 9/2/17 at 11:56 am to
Maybe if you owned the house free and clear. But if you still had a mortgage, the insurance check will be payable to both you and the lender. Lender wont release any of that money unless you're showing proof of the repair work. So if you plan to just walk away, the bank keeps the fire claim money to go towards loan balance. Bank wins, not the homeowner
Posted by Placebeaux
Bobby Fischer Fan Club President
Member since Jun 2008
51852 posts
Posted on 9/2/17 at 12:19 pm to
No that's what you call Jewish lightning
Posted by East Coast Band
Member since Nov 2010
67002 posts
Posted on 9/2/17 at 12:24 pm to
Should you leave a pot on a stove to "accidentally" burn down your house,if you are certain your house flooding is imminent?
Posted by JawjaTigah
On the Bandwagon
Member since Sep 2003
23007 posts
Posted on 9/2/17 at 2:05 pm to
These were the vogue in Chalmette, post Katrina. They collected.
Posted by TheHarahanian
Actually not Harahan as of 6/2023
Member since May 2017
24359 posts
Posted on 9/2/17 at 4:09 pm to
quote:

Chalmette


New Orleans East also preferred gutting the house with flames.
Posted by wickowick
Head of Island
Member since Dec 2006
46425 posts
Posted on 9/2/17 at 4:21 pm to
At the time of loss, the home had 3' underwater or damages by flood. Homeowners would pay for the flood line up damaged by fire. Cabinets, flooring etc were flood damaged and they are what cost the most during repairs
Posted by Hangover Haven
Metry
Member since Oct 2013
34795 posts
Posted on 9/2/17 at 4:22 pm to
It was interesting how many houses caught on fire after Katrina..
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