I realize flooding happens in odd places when least expected but there is really no excuse for those along the coast line - It irks me that I’m paying for some idiot who didn’t want to pay $300 a year for flood insurance....they made that choice, not me.
I hear you. We’ve had a two claims caused by hail storms and one when the clothes washer got stuck open. We had water in the kitchen and dining room. All the wood floor and kitchen cabinets had to be replaced. Three claims in over 20 years at this house, and USAA never balked.
I don’t like paying insurance for other peoples’ lack to prepare either. I don’t like to pay for the uninsured motorists because some idiot buys just enough insurance to get their registration and state inspections on their vehicles.