PHOTOS - Katrina's Surge at Ixolib's House

[wayoutfront]

I sent you a Pm on this,

I have a contents form in excel or pdf that can help you develop your contents list if you want it. My insureds generally find it to be most helpful.


just PM me your email addy

[Persepone]

While the law apparently says that "anyone" can buy flood insurance, the fact is that it is extraordinarily difficult to find an insurance agent who will sell it to you if you are not in an area that is officially considered a "flood zone." I think if you are insistent enough, perhaps you can quote the law to them and make them sell it to you-- but it is not going to be cheap if you do that because they are not covered by the laws on insurance rates, etc.

So there is probably some truth on both sides here...

PS I'm not in hurricane prone area--I'm in Massachusetts. But I heard this runaround from insurance agent in Connecticut also when I lived there. And I think if you need "tenants" insurance, you can't buy flood insurance at all....

[jeffscout]

While the law apparently says that "anyone" can buy flood insurance, the fact is that it is extraordinarily difficult to find an insurance agent who will sell it to you if you are not in an area that is officially considered a "flood zone." I think if you are insistent enough, perhaps you can quote the law to them and make them sell it to you-- but it is not going to be cheap if you do that because they are not covered by the laws on insurance rates, etc.

So there is probably some truth on both sides here...

PS I'm not in hurricane prone area--I'm in Massachusetts. But I heard this runaround from insurance agent in Connecticut also when I lived there. And I think if you need "tenants" insurance, you can't buy flood insurance at all....

I think your information is not accurate. I have lived in Raleigh, NC; Wilmington, NC; New Orleans, LA (my best information is that our street had 1.5 feet of water, the house was elevated on the footings to about 4' in the front and likely did not flood); and now in Sugar Land, TX and have never lived in a flood zone but have ALWAYS had flood insurance since Hurricane Floyd in 1999. My rates have been about $250-$350 per year. I consider it a bargain.

I have always understood that flood insurance is available to anyone that wants it, rates are determined by the risk (ie, which flood zone category you are in). I am insured by State Farm and your insurance agent acts as the "broker" for the NFIP policy you purchase.

[Tommedic]

I would like to interject something. For mobile home ownwers, it is my understanding that flood insurance is automatic as inclusion in mobile home policies. Please read entire policy carefully so as to get coverage you deserve.

[baygirl_1]

I have to relate this story:
My sister lived in Shalimar, FL (Fort Walton Beach area) in 1995 when Opal came through. Their home was on a 20-25 ft. bluff on Choctawhatchee Bay, several miles up the bay from Destin. They had water in the house both downstairs and upstairs. We had the pleasure of watching the homeowners' insurance adjustor and the flood insurance adjustor get into a shouting match in the front driveway over who was responsible. We were afraid it was going to come to blows! Finally, in a Solomon-like compromise, they decided the flood insurance would cover the downstairs and the homeowners' would cover the upstairs. Apparently, they decided the downstairs' damage was due to storm surge and the upstairs' damage was due to wind-driven water/rain. It was amazing to watch their exchange.

[Rocketman]

Amazing. Thanks for the pics Ixolib. I grew up not far from you, on St. Peter Ave. My mother still lives there, and the house suvived intact because of a new beachfront condo. I moved north of Woolmarket, 82 feet above sea level

[Ixolib]

Amazing. Thanks for the pics Ixolib. I grew up not far from you, on St. Peter Ave. My mother still lives there, and the house suvived intact because of a new beachfront condo. I moved north of Woolmarket, 82 feet above sea level

Yeb, 82 feet ain't a bad place to be!! Glad youR mom's house is okay. I know that area well. But, I surely would not have wanted to be within any distance of the beach on August 29!! From the looks of the St. Charles Condos and the beachfront in general, that area took a beating!!