What homeowners need to know about flood insurance in San Diego
As people continue dealing with flood damage, many are finding out what’s not covered by insurance policies when it’s too late. CBS 8 is Working for You to help navigate your insurance coverage.
“I was actually in knee-deep water when I was on the phone with my insurance company when they told me that they didn’t cover anything,” said Stacey Crawford, whose home on South 42nd Street flooded when the Chollas Creek stormwater channel overflowed on January 22.
“I asked them to check if there was any kind of coverage whatsoever and they basically said, ‘Well, if it’s a busted water pipe, you’re covered and I was like, ‘No, a little bit more than that.’”
That day Crawford found out the same thing a lot of people have been finding out during the aftermath, that insurance coverage for a flood disaster is not included on a typical homeowner’s policy.
“I’m not quite sure why there’s a separate policy and why it’s not included in homeowner’s insurance, at least something,” said Crawford. “I mean, many not the entire thing, but at least something. You would think homeowner’s insurance would cover something, but it covers absolutely nothing.”
You can get a separate flood insurance policy through a private carrier, but if you live in a floodplain like some of the residents in Mountain View and Southcrest, it can be hard to acquire coverage. In these cases, the National Flood Insurance Program through FEMA could be your best option. They administer more than five million policies across the country.
FULL STORY: https://www.cbs8.com/article/news/loc...
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