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Risky Business

The Water is Up to my Windows...Am I Covered?

By Shelly Benisch
Posted Sep 28th 2009 4:07PM

 

Hi Everyone,

 

How scary is this?   You go into the Pilot for some late night snacks & settle into your sleeping area for a long winter’s nap.

 

You wake up at 3:00 a.m. to water slushing just below your windows.   Flash floods are rare, and I’d think the vehicle would be the least of your worries.... 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.

 

...I just wish I slept that deep.

 

Moral:   As long as you carry Comp on your vehicle, don’t worry about Flood. “Home Insurance” does not include Flood coverage...or Earthquake for that matter.

Shelly Benisch

Commercial Insurance Solutions, Inc.

Shelly@myCISagent.com

www.MyCISagent.com

2 Comments

  • - September 23, 2009
    itsallgood-=|=-this is very good to know.

    thanks
  • - September 23, 2009
    itsallgood-=|=-this is very good to know.

    thanks

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