It's tricky because, as you can see in Houston and such, the cash outlays from the companies could bankrupt them. I have State Farm. Normal household ins covers things like a storm blowing your roof off, or a tree crashes through a window and water entering. However "rising water" is a whole different ball game and then there is whether or not you are in a "flood plain". Then as John said you have the coastal area policy, and then the type of flood. I think I heard the Weather Channel host say that Houston was in the 500 year flood. Probably all bets are off with that.
On autos, that is probably comprehensive coverage. Haven't read my policy about rising water such as a flood on that. Course if hail hits your window and breaks the glass and the car fills with water you have no problem with that being covered. You can bet with the potential liability, today I read that in today's dollars it'll top Katrina which was 160 Billion in damage.....totals for all things probably, the insurance companies are going to be squirming.
With all the losses we citizens have experienced I noticed State Farm made a profit last year only because their investments were profitable, so they said. They did play games with the rates this time however. I got a notice that they now use your credit report to assist in determining your payment. Seems if you have lousy credit you are a lousy driver......yeah right. Just a gimmic to up the rates. I have great credit, no wrecks and no tickets but I didn't get a discount. Rate went up.
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Today's Featured Article - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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