jpete wrote:coalkirk wrote:That's what homeowners insurance is for. The gov't should pay nothing. If you didn't have insurance, you learned a costly lesson.
Homeowners insurance doesn't cover floods.
And flood insurance doesn't cover floods unless both your neighbors got flooded so it sucks to be the first and last guy on the street that are underwater!
If you live in an area subject to flooding and don't have flood insurance, that's called stupid and you can't fix that. Choosing not to have the proper insurance and depending on the gov't to bail you out, you get what you deserve. You need "repalcement cost coverage" and flood insurance. And flood insurance not paying due to the both neighbors thing, not true.