For the flooded house scenario, all that stress and damage and hassle could have been 100% avoided if the home owner had turned off the main incoming water supply whenever they leave the home for a vacation or extended time. Any wise home owner does this to simply and easily avoid the exact scenario that you described. Most homeowners insurance companies encourage a wise homeowner to do this as it saves both parties a big hassle if pipes freeze, burst, or etc.
Lisa CroftJanuary 31, 2022
If there are huge losses and the insurance company says you don’t have coverage, I recommend a consultation with a lawyer experienced in such cases. Sometimes state law supersedes the terms of the policy. Also, the insurance company has a duty to explain the coverage options. What the insurance company says, isn’t always the end of the story.
Lexie StatonJanuary 31, 2022
Thank you Carolyn for your article! The information was helpful as were the real life examples. I'll be passing this along to my grown kids.
Oakley EatonJanuary 31, 2022
Thanks for sharing this valuable information. We experienced a flood in our home when the water source to the frig ice maker broke and flooded the kitchen, dining, family room and most of the basement. We have USAA insurance and carpet and sheet rock were replaced mostly, but upstairs they only dried the carpet. There was a mold smell downstairs for a couple of years after. I’m definitely going to review our coverage. Luckily we only paid a $500 deductible, but I will be more assertive if there’s ever a next time.
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Michael ScrimsherJanuary 31, 2022
For the flooded house scenario, all that stress and damage and hassle could have been 100% avoided if the home owner had turned off the main incoming water supply whenever they leave the home for a vacation or extended time. Any wise home owner does this to simply and easily avoid the exact scenario that you described. Most homeowners insurance companies encourage a wise homeowner to do this as it saves both parties a big hassle if pipes freeze, burst, or etc.
Lisa CroftJanuary 31, 2022
If there are huge losses and the insurance company says you don’t have coverage, I recommend a consultation with a lawyer experienced in such cases. Sometimes state law supersedes the terms of the policy. Also, the insurance company has a duty to explain the coverage options. What the insurance company says, isn’t always the end of the story.
Lexie StatonJanuary 31, 2022
Thank you Carolyn for your article! The information was helpful as were the real life examples. I'll be passing this along to my grown kids.
Oakley EatonJanuary 31, 2022
Thanks for sharing this valuable information. We experienced a flood in our home when the water source to the frig ice maker broke and flooded the kitchen, dining, family room and most of the basement. We have USAA insurance and carpet and sheet rock were replaced mostly, but upstairs they only dried the carpet. There was a mold smell downstairs for a couple of years after. I’m definitely going to review our coverage. Luckily we only paid a $500 deductible, but I will be more assertive if there’s ever a next time.
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