This. Assuming OP is even covered to begin with. Insurance companies try to get out of paying for anything they think they can get away with.
Most homeowners insurance will not cover flooding, and will say you need separate flood insurance for coverage. If you’re in a flood-prone region, flood insurance is going to be ridiculously expensive, but your municipality may also receive support from the fed (NFIP) for coverage.
But even with coverage, if you try to claim a kitchen appliance in flood damages and, say, it was kept too close to the sink, the insurance company could try to use that as an excuse not to cover it. They’ll say it could been damaged by a source of water unrelated to a flood, that the appliance clearly had a tag saying not to expose it to water yet the owner put it in a negligent place.
Document everything for yourself, but don’t preemptively give the insurance company the excuses they need not to cover things. Let them try to say no to something first and then come back with the receipts.
This. Assuming OP is even covered to begin with. Insurance companies try to get out of paying for anything they think they can get away with.
Most homeowners insurance will not cover flooding, and will say you need separate flood insurance for coverage. If you’re in a flood-prone region, flood insurance is going to be ridiculously expensive, but your municipality may also receive support from the fed (NFIP) for coverage.
But even with coverage, if you try to claim a kitchen appliance in flood damages and, say, it was kept too close to the sink, the insurance company could try to use that as an excuse not to cover it. They’ll say it could been damaged by a source of water unrelated to a flood, that the appliance clearly had a tag saying not to expose it to water yet the owner put it in a negligent place.
Document everything for yourself, but don’t preemptively give the insurance company the excuses they need not to cover things. Let them try to say no to something first and then come back with the receipts.