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Old 06-23-2014, 10:21 AM
Location: SW Florida
9,768 posts, read 7,054,913 times
Reputation: 14300


Originally Posted by sunshinewi View Post
When we were looking for insurance for our Fl home, our agent told us that if no one was living in the home full time insurance was higher because no one is home to notice when things go wrong, no matter what the problem.
Our vacation home is rented out and a pipe burst under the floor. Because we had renters, they noticed some dampness. But still, by the time they noticed damage exceeded $10,000. Our flood insurance paid most of it. Until this happened, I thought flood = hurricane. We probably wouldn't have known until our water bill came and by then damage would have been much higher.
Interesting that you say your flood insurance paid for the damage caused by your burst pipe. I know back in the day, homeowner's insurance would pay for that, not the nationally sponsored flood insurance program (flood insurance is a separate policy from the homeowners') as it was not caused by "rising water" or flooding outside the home, but by damaged pipes. "Rising water" used to be the criteria for flood insurance to kick in- as in ground flooding from rainstorms, rising waters from rivers, lakes, storm surges from tropical systems.

I'm guessing, things have changed, insurance companies doing their level best to deny claims on homeowners' policies any way they can- including water-related damages in any form, if FEMA agrees to pay those claims if it involves water in any way- even damages from overflowing toilets or washing machines, or in your case, water from burst pipes under the floor. I must admit that surprises me.
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