Flood insurance

Reply Subscribe

Thread Tools

Search this Thread

Sep 21, 2005 | 05:47 PM

RC73

Thread Starter

Pro

Joined: Aug 2003

Posts: 702

Likes: 1

From: Houston TX.

Flood insurance

I have Homeowners, Federal flood and full coverage collertor car insurance. Will any of this cover my vette if it flooded from Rita. I'm in Houston and hope it takes another path.

Sep 21, 2005 | 06:06 PM

KALAWAY

Drifting

Joined: Aug 2004

Posts: 1,763

Likes: 0

From: Fayetteville NC

Yes, your full comprehensive coverage on your car should cover it.

Sep 21, 2005 | 06:13 PM

RC73

Thread Starter

Pro

Joined: Aug 2003

Posts: 702

Likes: 1

From: Houston TX.

Quote:

Originally Posted by KALAWAY

Yes, your full comprehensive coverage on your car should cover it.

Thanks KALAWAY for the info, I was worried about that.

Sep 21, 2005 | 06:24 PM

skydaddy

Burning Brakes

Joined: May 2005

Posts: 826

Likes: 0

From: Pearl MS

If you were to buy insurance now - it would not be any good for about a month anyway. One thing that I learned is that there is structural flood insurance and then Contents flood insurance. If you only have structural flood insurance then your stuff is not covered (inside your house). You need to have the additional flood insurance for contents to get your stuff covered - not just the structure of the house.

Sep 21, 2005 | 07:30 PM

Z-man

Race Director

Joined: Nov 1999

Posts: 10,643

Likes: 8

From: Foxfield CO 1970 Convertible

Only your insurance agent can answer whether you are covered. Isn't it in your policies?

Sep 21, 2005 | 08:03 PM

RC73

Thread Starter

Pro

Joined: Aug 2003

Posts: 702

Likes: 1

From: Houston TX.

Quote:

Originally Posted by Z-man

Only your insurance agent can answer whether you are covered. Isn't it in your policies?

After looking through the policy a couple of time, I found the section and read it very carefully and yes it is covered.

Sep 22, 2005 | 01:03 PM

GrandSportC3

Team Owner

Joined: Jul 2001

Posts: 182,997

Likes: 88

From: Lakeland, FL

Cruise-In IV-V-VI-VII-VIII Veteran

St. Jude Donor '03, '06, '17

Quote:

Originally Posted by KALAWAY

Yes, your full comprehensive coverage on your car should cover it.

Sep 23, 2005 | 12:19 PM

ajstr1265

Instructor

Joined: May 2005

Posts: 229

Likes: 0

From: Oreland PA

Read the flood policy carefully. They are very tricky...I used to be a public adjuster in the NE and I have handled a few flood losses at the NJ shore. I am not an expert but I have read the policies and I have found out they have different requirements and definitions. ie basement, walk out basements, below grade etc. If you have a finished basement it may not be covered depending on how many steps etc. They normal don't cover finished surfaces below grade. I hope this helps. Good Luck..hopefully all will be OK