Not Sure About Flooding Insurance? Here Are the Answers | Only Cars

Posted by onlycars on Tuesday, September 27, 2011 ? Leave a Comment?

Flooding struck Five Points on Sept. 25, 2011.

Columbia, SC (WLTX) ? News19 is On Your Side with the answers to frequently asked flooding coverage questions from South Carolina Insurance News Service officials.

Russ Dubisky with SCINS provided the following answers to News19?s questions:

News19: If your car floods in your driveway, who is responsible for coverage (homeowners or car insurance)??

Dubisky: If your vehicle floods, damages will be covered by your auto policy.

Do you need special flood insurance for your vehicle like you do for your home??If your car is parked on a street and is damaged by flood waters are you covered?

While no ?special? flood policy is required to cover flooded automobiles, you will need comprehensive coverage, which is separate from the state required liability coverage. The same comprehensive coverage is required if your vehicle were covered on the side of a road or in a parking lot, or driving through rushing waters.

If your home floods because of a leak in the roof during heavy rain, do you need flood insurance to cover the repairs?

Flood could generally be defined by rising water that damages a home. If the water damage comes from above (like a hole in your roof) the homeowners? policy would cover the water damage, and no flood policy would be needed in that instance.?

If a tree is uprooted in your neighbor?s yard and damages your home, whose insurance is responsible for coverage?

If your neighbor?s tree falls and damages your house, the claim would typically be made to the insurer of the damaged home. However, if there is a history of the neighbor asking to trim or remove a dead tree before the incident, there may be exceptions and the property from which the tree fell could be held responsible.

Will insurance pay to remove trees that could potentially cause damage to your property because they are diseased or could fall during a storm?

Tree removal is considered a part of basic home maintenance and would not be covered by a homeowners? insurance policy unless the fallen tree damages insured property (garage or home).

Sponsored Links

What?s this?Paid Distribution

Article source: http://www.wltx.com/news/story.aspx?storyid=153052

Source: http://www.only-cars.com/not-sure-about-flooding-insurance-here-are-the-answers/

kansas city chiefs major league major league emmys emmys tom bosley christina hendricks