I can show you places in New Orleans where there were two houses next to each other. One is still standing and has No sign of flood damage and the house next door is completely demolished. The insurance adjusters are claiming that the demolished house was destroyed by flood while there is no evidence that that area of town was flooded after the Corps of Engineer’s Levee failed.
In 2004 being hit with 3 named storms, we had water up to our door steps in Florida. With only less than 1/2 inch to go before the water would have come into our home because of ground saturation (flooding) we were fortunate. If the water had come in and ruined any drywall or wood flooring not to mention solid oak baseboards, without flood insurance, NADA!!!
What part of NO FLOOD INSURANCE COVERAGE don’t they get!?
BTW, it is quite cheap by national standards.
The exact reason I have both Flood Insurance (I live in a no evac or flood zone, but still about 2 miles from the coast) and State Farm homeowner’s (which just raised our rate 75% this year...thank you very much, even though there were no hurricanes for the last 2 year in our area, we’ve never made a claim in 20 years, and the state enacted a plan whereby they could supposedly lower rates.)
The Flood Insurance people and State Farm would no doubt “fight it out” in court, about who was responsible to pay, but in the end (and it might take years) I figure I’d get reimbursement.