[RockinRight]

That’s stupid.

Although - I have to say I call the bullsh*t alarm on situations where the house was blown away by wind, then the land was flooded, but the insurance company says “sorry - flood damage” and refuses to pay up.

There are situations where that has happened, and often in places not considered a flood zone and therefore not having flood insurance.

[Yo-Yo]

There is a difference between wind driven water (tidal surge ahead of a hurricane) which requires a FEMA flood insurance policy, and wind driven rain, which is covered under your normal homeowner’s policy.

Most beefs regarding Katrina was in distinguishing the two in court.

[jwparkerjr]

I was all up and down the Gulf Coast in the days immediately following Katrina. I am a photographer and was doing work for one of the big (non-Halliburton) companies who do post-storm clean up and etc. Few houses were blown away. They had lots of wind damage, roofs gone and that sort of thing, but when you got inside the part left standing you saw the level to which the water had risen during the surge and flooding. Along the coast proper there were lots of homes and structures simply gone, but you found them in mostly large pieces up against, and on top of, homes just a few hundred yards inland where the flooding had dumped them.

[antiRepublicrat]

Although - I have to say I call the bullsh*t alarm on situations where the house was blown away by wind, then the land was flooded, but the insurance company says “sorry - flood damage” and refuses to pay up.

I believe someone already won a case against State Farm about this one.