Rocky wrote: Everyone on the Gulf Coast is informed by their insurance company, neighbors, the press... that homeowner's insurance does NOT cover flooding (rising water). You must have flood insurance for that.
Exactly, but is a wind driven wall of water the same as "rising water"? And can floods occur without hurricanes? Can hurricane storm surges occur without hurricanes?
Here's the National Flood Insurance Progrems definition of a flood.
Flood insurance covers direct physical loss caused by gflood.h In simple terms, a flood is an excess of water on land that is normally dry. Here is the official definition used by the National Flood Insurance Program.
A flood is 1)A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: 2) Overflow of inland or tidal waters; 3) Unusual and rapid accumulation or runoff of surface waters from any source; 4) Mudflow*; or 5) Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.h *Mudflow is defined as gA river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of
See www.FEMA.gov for more