“Just curious, do you have flood insurance? It doesn’t automatically come with “home owners”, you have to pay extra for it.”
No, I don’t live in a flood zone. Flood insurance is not included in most home policies, at least around here. These folks were hit by a Tornado, which insurance does cover.
I live in prime hurricane country but the coverage for that stinks. I think the deductible is around 10%, would have to check my policy.
I am not in a flood plane. Flood insurance not required at my house.
My neighborhood is the highest point in my area. We have never flooded YET. Moved here 1973.
But I got flood insurance in 2005 after Katrina, before Rita. We didn’t have damage from either one of those storms. Didn’t have damage from Ike, either, except our fence lost two sections - old wood fence.
We boarded up windows and left, came back a couple of days later, house and trees were just fine. Othe people in town lost roofs, trees, etc. We were fine. No floods here from those hurricanes.
If we ever flood it will be due to water rushing into our area from creeks and rivers north of us. We have TWSH Texas Wind Storm Hail. We also have the regular home owners insurance. This is very expensive to have all three.
We lost food during power outage after Hurricane Ike. But we got home as soon as we could after Ike and hooked up gas generator and kept the frig running. Just threw out the frozen stuff and dairy products mostly. That adds up when you have a freezer and a couple of refrigerators. We had power outage last week and it wasn’t even storming! Would love to get one of those natural gas stand by power generators that takes over when elec goes out!
The deductible is about 10% on Texas Wind Storm Hail coverage that we have to have on the coast now. Regular home insurance - ours is about $1500 Deduct