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#256045 - 10/22/08 08:57 AM I have a problem
dfge4 Offline
Junior Member

Registered: 10/22/08
Posts: 1
Loc: usa
Hi to all, I have a problem I don't carry any "full" insurance and I usually get flooded during heavy rain, hurricane etc it will cost to replace the home/contents. my main purchases for that problem was those alternative sand bag and I would like to get the house ready for an inspection so what are the insurances that I have to take am completely lost. What should I do ?

#256047 - 10/22/08 11:18 AM Re: I have a problem [Re: dfge4]
Vermont Offline
Major Contributor

Registered: 04/12/08
Posts: 7766
Loc: Vermont's North-East Kingdom
You'll (probably) be just fine as long as you don't wait until you are inundated with Salt Water. Then nothing can help you ! Good Luck !
Dale C. Hittle of GOLDEN RULE PROPERTIES in Glover, Vermont
Where We're Always Striving To Put Together "THE FAIR DEAL"

#374708 - 05/05/11 02:13 AM Re: I have a problem [Re: dfge4]
JustinGomez Offline
Junior Member

Registered: 05/04/11
Posts: 3
Loc: JustinGomez
Water damage from inside the home, such as broken water pipes, is a standard coverage in home insurance policies. However, damage sustained from outside sources, such as river close to your home overflowing its banks, is not part of a standard home insurance quote.

#377702 - 06/02/11 03:07 AM Re: I have a problem [Re: dfge4]
jducey Offline

Registered: 05/17/11
Posts: 79
Loc: New York
Yes, you have to be covered by an additional flood insurance if you want to be covered. Otherwise everything is out of pocket

#398474 - 01/10/12 09:13 AM Re: I have a problem [Re: dfge4]
Jessica123 Offline

Registered: 12/19/11
Posts: 45
Loc: Glastonbury, CT 06033
Generally, insurance policies do not cover damages due to flood but they would pay for damage from rain coming through a hole in the roof or a broken window if the hole was caused by strong storm winds.
On the other hand, if you have a hidden pipe leaking in your house and water damage occurs, then that would not be covered.

#402796 - 03/06/12 01:04 PM Re: I have a problem [Re: dfge4]
David Anderson Offline

Registered: 02/28/12
Posts: 11
Loc: UK
Generally, Insurance companies do not give any coverage on flood damage. Yes they would pay for rain damages, the water coming from roof or a broken window. This can be cover in insurance policies.

#404426 - 04/04/12 02:49 PM Re: I have a problem [Re: dfge4]
Tandem Realty Offline

Registered: 03/23/12
Posts: 30
Loc: Nashville, TN
I agree with Justin, any outside influence from a natural body of water (i.e. rivers, ocean) would be a separate policy.

#426802 - 08/07/13 12:28 AM Re: I have a problem [Re: dfge4]
spaul8809 Offline

Registered: 07/17/13
Posts: 10
Loc: Canada
I think this is Natural Disaster, so I think that insurance company is also not able to provide you complete protection against this type of miss happening. The best way is to manage by yourself.


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