The Water is Up to my Windows...Am I Covered?
How scary is this? You go into the Pilot for some late night snacks & settle into your sleeping area for a long winterâ€™s nap.
You wake up at 3:00 a.m. to water slushing just below your windows. Flash floods are rare, and Iâ€™d think the vehicle would be the least of your worriesâ€¦. but I received this call last March from Tom, who wanted to know what to do.
I told him to towel off, get a room and relax. Vehicles are covered for Flood under their Comp Coverage, so he paid $100 for his deductible and the unit was completely replaced by his insurance carrier.
â€¦I just wish I slept that deep.
Moral: As long as you carry Comp on your vehicle, donâ€™t worry about Flood. â€œHome Insuranceâ€ does not include Flood coverageâ€¦or Earthquake for that matter.
Commercial Insurance Solutions, Inc.