Now Californians find out they don't have flood insurance!

[thewayne]

*sigh*

47% of Americans surveyed think that flood protection comes with homeowner's insurance. It does not. It is an add-on policy. It not only protects you against things like the massive California floods, but also if your water heater bursts and damages the floor and carpets, or pipes in the ceiling leak and you have problems up there.

It's not a bad idea.

Californians? Apparently only 1.3% of them have flood insurance.

Oh my, do they have a wake-up call coming! And with Republicans in charge of the House - which allocates the nation's finances - and their broad hatred of things California, I would expect any sort of major financial relief to be quite stingy.

https://gizmodo.com/california-is-in-for-a-flood-insurance-wake-up-call-1850001122

Comments

[acelightning73]

After Superstorm Sandy, many people in the NY metropolitan area found out why they should have had flood insurance. I think if you have renters insurance that includes your landlord's flood insurance. We had to buy more insurance to qualify for a loan to rebuild and re-furnish the house. (The landlord's insurance paid for the kitchen appliances.)

[thewayne]

If I lived in a coastal area, especially if I was very close to sea level, guaranteed I'd carry flood insurance!  Nowdays it's more a question of when, not if, you'll need it.

[acelightning73]

Even though the waters of Raritan Bay are kept in place by a seawall at the end of my street, the storm surge was higher than the wall - there were water stains on my interior walls at shoulder height on me, and I'm 5'3". When we moved here, I didn't even think about how close we were to the water's edge; I grew up on Long Island, and we always had one fairly intense hurricane every year. But in order to get a FEMA loan to help recovery, we had to get renters insurance that includes flood insurance. And our landlord's insurance got us new kitchen appliances (and new floor tiles and lower cabinets) - and the landlord's mother (a woman close to my age) helped him pick out what she though I would like. She got it right - she remembered how fond I am of stainless steel, and all the appliances have stainless steel fronts, which makes it hard to keep my fridge magnets from falling off.