Flood & Homeowners Insurance?

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  #16  
Old 02-26-2015, 06:26 PM
Villageswimmer Villageswimmer is offline
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Originally Posted by tuccillo View Post
IIRC, for flood insurance to kick in you need rising water and something like 2 out of 3 neighbors must have also had flooding (or something like that) - the insurance guy who posted earlier, please help us out here!
I believe that was TNLAKEPANDA. Looking forward to more info from him/her.
  #17  
Old 02-27-2015, 10:05 AM
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Originally Posted by joldnol View Post
flooding caused by hurricanes is not covered by your homeowners policy.
Partially true, for my policy, which I just read again. Flooding caused by storm surge, is not covered by my policy. However, water in the form of rain or snow (that's a funny) entering the structure as a result of wind damage opening the structure, is covered.
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  #18  
Old 02-27-2015, 11:02 AM
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If the storm surge makes it to TV, we'll have much bigger problems than flood insurance.
  #19  
Old 02-27-2015, 11:27 AM
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Default comparing insurance cost question...

Our home insurance covers everything except a Moses bite (reminder to get muzzle for Moses, Ha!) $500 deductibles for hurricane and other perils, sinkhole losses is 10%-$29,000....Cost approx. $1500 /yr. we have insurance thru Village Insurance thru ASI. Curious about other insurance costs on homes (variables of course would be sq. footage, and coverage requested)
  #20  
Old 02-27-2015, 12:15 PM
tuccillo tuccillo is offline
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Yes, that is my understanding. I believe typical homeowner policies cover you if the water is coming out of the sky. Once it is on the ground you need flood insurance.

Quote:
Originally Posted by Chazz View Post
Partially true, for my policy, which I just read again. Flooding caused by storm surge, is not covered by my policy. However, water in the form of rain or snow (that's a funny) entering the structure as a result of wind damage opening the structure, is covered.
  #21  
Old 02-27-2015, 01:47 PM
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Quote:
Originally Posted by naneiben View Post
As a former hydrologist/flood forecaster, I feel I need to qualify my remarks above.

IF flood maps have been extrapolated for your newly developed area, they are likely of dubious quality because of the extensive infrastructure development here (which is still in progress). There is no history.

So, no one can tell you whether or not to purchase flood insurance with any degree of certainty.

As others have said, if you'll sleep better because you have it, buy it.

This person has very good advice. They are still moving dirt around and building things in the newest areas.

But in eight years we haven't had a problem. When it is pouring rain the sprinklers go on and keep the ponds from flooding. The only standing water I have seen in eight years was at the intersection near Mallory/Caroline and it wasn't enough to stop traffic. And that was four years ago. And that was the unusual day when seven inches of rain fell in a little over 24 hours.
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  #22  
Old 02-27-2015, 04:30 PM
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Quote:
Originally Posted by tuccillo View Post
IIRC, for flood insurance to kick in you need rising water and something like 2 out of 3 neighbors must have also had flooding (or something like that) - the insurance guy who posted earlier, please help us out here!
The policy definition of a flood is:

1. "A general and temporary condition of partial or complete inundation of tow or more acres of normally dry land area or tow or more properties (one of which is your property) from:

a. Overflow of inland or tidal waters,

b. Unusual and rapid accumulation or runoff of surface waters from any source.

c. Mudflow

2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in flooding as in A.1.a above.

There you have it in clear and concise government terms. Flooding does not have to come from a hurricane or rain fall. Example a car hits the fire hydrant across the street. The water floods the street your yard or your yard and your neighbors yard and enters your home. You have a covered flood under the flood policy. Please not the policy only covers your home (and content items if you have contents coverage). It does not cover your landscaping or drive or anything outside your house other than your AC unit.

Hope this helps.

https://www.floodsmart.gov/floodsmart/
  #23  
Old 04-14-2015, 10:43 AM
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Originally Posted by jrdonn View Post
Is there a need for flood insurance in the Village of Hillsborough? And who do you have for your Homeowners insurance? I would like to do some comparison shopping, I took the Villages insurance during closing.
Thank you in advance for your opinions.
Not sure about flood insurance but we had water damage from our water pipes under our foundation. The leak was coming through a hairline crack in the concrete between the wall of our kitchen/laundry room. At first we thought it was the frig water line, but it wasn't. We called The Villages Insurance and our ASI claims agent was on it very quickly. The specialist that came out to "find the origin" wasn't sure if it was actually where the water was entering the home or if that's where it found a place - so it was recommended that we have our water re-routed through the attic and down into each room in our home where there is a fixture. That was done in ONE day by Affordable and Reliable plumbing out of Belleview. It is now over 2 months later and they are just re-installing the 2 kitchen cabinets that were damaged by the water and had to be rebuilt because the model we have was discontinued by the manufacturer. The coordination of our damages was handled by Paul Davis Restoration in Belleview. I would never recommend them to my worst enemy. We have built several custom homes, put on a complicated addition on another and this experience has to be the worst contracting experience in our life. I felt like I was micro-managing the process. Our ASI agent told us we could switch to anyone we wanted, but by that time the cabinets had already been removed, there were drywall holes in every room and we were frustrated beyond words. I can only say I'm glad it's over. I feel better with the water running over the house rather than under because now if we have a leak we'll see it right away. Not sure why they don't build houses that way in the first place in FL - that's how they do it "up north."
  #24  
Old 06-24-2015, 09:24 PM
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So who do you have for homeowners insurance and what do you like or dislike about them.

I'm buying a new home and The Villages is steering me to their bank and insurance agency.
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  #25  
Old 06-25-2015, 05:03 AM
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I received a quote from TV Ins, fearing sinkhole coverage, which was very good. However I went with the same carrier thru AAA, with the same sinkhole coverage. My neighbor is a veteran like yourself and he insured thru USAA (think that's the name) and got sinkhole coverage as well. Good Luck!
  #26  
Old 06-25-2015, 08:19 AM
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Quote:
Originally Posted by lynne View Post
Not sure about flood insurance but we had water damage from our water pipes under our foundation. The leak was coming through a hairline crack in the concrete between the wall of our kitchen/laundry room. At first we thought it was the frig water line, but it wasn't. We called The Villages Insurance and our ASI claims agent was on it very quickly. The specialist that came out to "find the origin" wasn't sure if it was actually where the water was entering the home or if that's where it found a place - so it was recommended that we have our water re-routed through the attic and down into each room in our home where there is a fixture. That was done in ONE day by Affordable and Reliable plumbing out of Belleview. It is now over 2 months later and they are just re-installing the 2 kitchen cabinets that were damaged by the water and had to be rebuilt because the model we have was discontinued by the manufacturer. The coordination of our damages was handled by Paul Davis Restoration in Belleview. I would never recommend them to my worst enemy. We have built several custom homes, put on a complicated addition on another and this experience has to be the worst contracting experience in our life. I felt like I was micro-managing the process. Our ASI agent told us we could switch to anyone we wanted, but by that time the cabinets had already been removed, there were drywall holes in every room and we were frustrated beyond words. I can only say I'm glad it's over. I feel better with the water running over the house rather than under because now if we have a leak we'll see it right away. Not sure why they don't build houses that way in the first place in FL - that's how they do it "up north."
If I'm not mistaken, most home "up north" have water pipes in the basement. Here there are no basements so they install the pipes before the concrete slabs are poured and encase them in the concrete.

I don't know it's I'd like water pipes in my attic. If you get a leak it will come through the ceiling and get on everything.

Were the cabinets that were damaged bottom cabinets? If you have water running through the attic, you run the risk of both top and bottom cabinets being damaged as well as the entire height of the wall. Or, maybe I'm not understand this correctly.
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  #27  
Old 06-25-2015, 08:20 AM
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So, likes and dislikes for homeowners insurance?

Anyone have any experiences they's like to share?
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  #28  
Old 06-25-2015, 09:10 PM
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Quote:
Originally Posted by jrdonn View Post
Is there a need for flood insurance in the Village of Hillsborough? And who do you have for your Homeowners insurance? I would like to do some comparison shopping, I took the Villages insurance during closing.
Thank you in advance for your opinions.
Would expect with more streets etc. that this map would be on the conservative side as far as fooding. Put in 32163 for the zip code for our area.

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