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.
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