“Unfortunately, the coverage you paid for doesn’t extend to any situation where there is water in, on, or around your home,” said Pat Treacy, a claims adjuster at Countrywide Mutual Insurance who informed the Colemans that their policy had actually been voided the moment they first filled their bathtub or ran water from their sinks. “It’s industry standard, I’m afraid. Houses just aren’t meant to get wet. No insurance company anywhere would take on that kind of liability. If it’s possible to prove the house remained dry during the storm, and it just sort of fell down on its own, then maybe a case could be made for approving your claim.” Treacy went on to wish the Coleman family well and said he would keep an eye out for them on GoFundMe.
To be fair, it isn’t far from the truth. A lot of people have insurance and think they are covered not knowing that flood insurance is separate.
Came in here to say something similar. I hear that you basically can’t get flood insurance in my hometown anymore thanks to the risk now due to climate change.
When we lived in Charleston SC in the early 2000s we had a wake up call because due to USA corps of engineers new zoning we were in a flood zone, and were forced to purchase National Flood Insurance, this was apart from all other and could not be part of your escrow payment. 1x per year, 2k+ payment you had to pull out of your ass.
And I bet there are more than a few that don’t have it, but expect the gubmint to pay.
If you’re mandated to have flood insurance with your mortgage, you must have it.
Ah right, not like household insurance then, at least here in UK. I’ve seen a few instances of people with no insurance having lost everything.