D.C. Area Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
PSA: Check your Homeowner's Policy
Here's a friendly PSA to check your homeowner's policy for flood coverage. I'm going to call my company tomorrow and have them explain to me what exactly is covered, but I just read my policy and it appears that flooding is not covered. We have a rider for drain and sump pump overflow - but we only got that because I specifically asked about it when we bought our policy. I'm not sure "water coming through the walls" is covered by anything that we have.
Also, our policy does not cover earthquakes. I'm starting to wonder what it does cover.
Re: PSA: Check your Homeowner's Policy
I think you usually have to specifically buy flood insurance. I don't think its in most policies.
http://en.wikipedia.org/wiki/Flood_insurance
And related to you post, I read this article this morning in the Post: http://www.washingtonpost.com/local/irene-storm-damage-led-to-prohibited-insurance-charges/2011/09/07/gIQAjCc9CK_story.html
Apparently insurers will change the deductible for storms with varying state laws on it...
We have an official flood plain in our back yard that doesn't ever flood because the creek behind our house is way down an embankment, it would have to rise like 13 feet to get to our yard.
When we bought the house and I secured insurance they told me I'd have to buy flood separately. At the time we were thinking we'd never need it and it was too $$.
After all this ridiculous rain I'm considering it dumb luck that we were right and our house doesn't ever actually flood when it rains. Literally everyone I know who lives in Ffx county has some manner of water in their basement today. We had water trickling into our basement at a slow drip - through the breaker box (water + electricity = fun!) and some water seeped down our fireplaces because the earthquake knocked our chimney askew, so I think the flashing around the chimney on the roof is loose. But those things are minor - I'm grateful we didn't get the brunt of this awful storm.
Yep, I've heard a few news stories recently about the fact that flooding is not usually included as part of insurance, unless you live in a flood plain, etc.
One good point I heard made was that is the water comes up from the ground, it isn't usually covered, but the damage was caused by water from the sky, then it is.
This exactly. I used to work for State Farm Insurance and got the flooding question all the time. Make sure you have a "backup of sewer and drain" listed on your policy. Now if you can say the water and wind broke a window and water got in that way then it's going to be covered.