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Originally Posted by BrudLee
My basement has flooded twice this winter - call your insurance agent!!! Even if you don't have 'Flood Insurance', you should be covered for much of your losses and costs accrued in fixing yourself up.
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Ummm, maybe - Even if covered, you may want to assess the damage and see if you can't cover it yourself. Insurance underwriting has gotten very strict as the market has hardened. If you have two or more claims in a trhee year period and depending on your insurer, you may get cancelled. Once cancelled it is difficult and expensive to get reinsured.
You should really only use your homeowner's insurance for really BIG losses (my deductible is at 1,500).