[asianthree]

Most likely if there wasn’t a flood policy, it may not be covered.

Our Oldest NC house across from barrier island, north of Wilmington 10’ stilts, with 5’ above sea level. Large 3 acre pond 10’ lower than house for drainage. Flood insurance was an option, chose to add 3 years ago. Both bridges to neighborhood are not passable, due to 19” of rain for 3 days prior to Helene so waiting for drone flyovers from insurance agent, for possible damage.

Their Greenville SC house newly built this year had 17” of rain, plus runoff from the mountains. No flood issues because of elevation, but multiple feet of flood water surrounding the area. Tree are blocking roads, cell towers are out, as well as power. Prediction 5-10 days before power restoration. They both closed their offices, and are driving to TV.

No flood insurance for SC house, but 4 blocks away homes multiple feet of water. Friends have flood insurance, and have already been in contact with their agent.

The bigger problem is all of the deviations in GA, where flood insurance probably wasn’t in the picture. So multiple claims, but what’s covered is a good question.