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Yea, Insurance is a real racket. Last year we had a huge thunderstorm come in from the NE of our house which it rarely does, rained 4 inches in one hour. So some water backed up in the flowerbed on that side of our house and came in through the weep holes where the brick meets the slab. Never had flooding in 17 years here and aren't in the County 500 or even 1000 year flood plain.
My carpet got soaked for a few feet from the wall, the pad was runined and the particle board base to my TV cabinet swelled up. It was no major thing but I figured I have been paying for all these years so I would like to get these few things fixed up!
Then I got the bad news from my agent. Absolutley no coverage for any ground water entering the house near the foundation. If it had come through the window or the ceiling it would have been covered! So I asked him if I had Federal Flood Insurance would it have been covered and he said no, because a certain percentage of the properties on our street would have also had to flood to kick in that coverage.
Not to mention I fully expect my rates to shoot up because now the buggers know I had water in my house and could be a potential mold cleanup down the line.
RIPOFFFFFFFFFFFFFFFF!
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04-22-2004, 11:17 AM
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