DonkeyDixon: I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.Secondly, there's no way a carrier would try to deny this with a 'rodent damage' exclusion. That's for things like rats chewing and shiatting in your walls because you don't maintain your own property. With this being an off-premises issue, there'd be no way for the homeowners to anticipate or mitigate the issue. This is the type of loss a homeowners policy is designed to cover.I doubt that whoever "told" them it wouldn't be covered works for their carrier. I'd guess it was a friend/family member who wasn't involved in the loss and doesn't know what they're talking about, or a dumbass agent who doesn't understand the policies they sell. And there are a lot of those agents out there...
Intrepid00: It was really crab people.
Links are submitted by members of the Fark community.
When community members submit a link, they also write a custom headline for the story.
Other Farkers comment on the links. This is the number of comments. Click here to read them.
You need to create an account to submit links or post comments.
Click here to submit a link.
Also on Fark
Submit a Link »
Copyright © 1999 - 2017 Fark, Inc | Last updated: May 29 2017 22:17:23
Runtime: 0.239 sec (238 ms)