Posted by oldtanker on October 31, 2012 at 06:51:15 from (66.228.255.239):
In Reply to: To be Expected. posted by Greg1959 on October 31, 2012 at 04:47:29:
Quoting Removed, click Modern View to see
Standard HO policy excludes damage from flooding.
FEMA is supposed to check to make sure that there is no coverage then cut a check. If it's insured the FEMA is supposed to pay what the insurance companies don't pay.
Thats why FEMA went back and told people "we over paid you and we want our money back". Lot of those folks flat out lied about coverage and or value.
As far as water damage from burst pipes......people, read your policies! Water damage can be covered by a policy. Most of the at risk people are going to be the ones who have their home owners policy wrapped up with the mortgage company. The mortgage company buys the cheapest policy they can when doing up the loan. That can come around and really bite you in the butt. You can get supplemental insurance to fill in gaps.
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