Shed Flooded Please Help Me

[weedeater]

Originally Posted by calcutta37

ins. claim

this is what I was thinking, if it was in shed it zhould be covered under home owners ins. especially if you have flood.

[Raymond]

Originally Posted by weedeater

this is what I was thinking, if it was in shed it zhould be covered under home owners ins. especially if you have flood.

Elevation certificate is based on highest floor above base elevation. Sheds are not part of the elevation cert and will not be covered on any flood policy. Sorry if I bring bad news but this is what the rules are for flood insurance. Also not covered under HO since it was rising water. Good advise from everyone on the equipment though.

[weedeater]

Originally Posted by Raymond

Elevation certificate is based on highest floor above base elevation. Sheds are not part of the elevation cert and will not be covered on any flood policy. Sorry if I bring bad news but this is what the rules are for flood insurance. Also not covered under HO since it was rising water. Good advise from everyone on the equipment though.

luckly I dont live in a flood zone nor do I have a flooding problem but thanks for clearing that up for anyone that would assume they were covered by this

[Ratdog]

Originally Posted by weedeater

luckly I dont live in a flood zone nor do I have a flooding problem but thanks for clearing that up for anyone that would assume they were covered by this

So da stuff was not in the shed u say. If u have flood ins. Then it's better to keep your stuff in da yard an don't worry if it get stollen home cover dat.

Sound like wl&f ins.

I need dat an Mac ins. Too for my noodle
Da Gunna weezel out how da can an prob charge u more in da long

Good luck bro da rain was just da start

[Raymond]

Originally Posted by Ratdog

So da stuff was not in the shed u say. If u have flood ins. Then it's better to keep your stuff in da yard an don't worry if it get stollen home cover dat.

Sound like wl&f ins.

I need dat an Mac ins. Too for my noodle
Da Gunna weezel out how da can an prob charge u more in da long

Good luck bro da rain was just da start

Hey Rat, the national flood insurance program is INSOLVENT (BANKRUPT). It is in worse shape than social security and has to be made solvent each year by congress to continue paying claims. Most of those flooded out are eligible for preferred rates which are very cheap but do not take advantage of the coverage because they think it can never happen to them. After this flood, everyone will call their agent for flood insurance but few will spend the money in the end or continue to pay the premium after a year or two. IMO, flood is worse than any natural disaster out there.