In a nut shell, Basic Home owners Ins works like this. If water damage comes from above, you're covered. If it rises from the ground, you're not. My insurance agent put it to me like this " if somewhere down the road they are doing construction or anything that blocks a drainage ditch, when it rains it causes the area to flood, you are screwed". If you do not live in a considered flood zone, a flood policy is not that expensive considering the cost of replacing personal items. Raymond being an agent and all can better clarify if this is true.
My heart goes out to you and so many other families that were affected by this torrential rain. I hope you recover quickly and things get back to normal as soon as possible buddy.
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03-13-2012, 12:14 PM
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