Ok my son has owend a house for 3 ysr now still new kid on t

Posted: Wed Jan 30, 2013 12:40 am Post Subject:

I'm going to take a stab at this and say that some flunky in the agents office said this. Let me know if this is correct.

Posted: Wed Jan 30, 2013 01:14 pm Post Subject: My sons leaking pipes

Yes you are correct. He is not in the flood zone and they said they can not help him because he has no flood insurance.
This is something that came on all of a suddent with no warning. So now we are all stuck as to what he should do.
Help any advise?

Posted: Wed Jan 30, 2013 08:16 pm Post Subject:

I am sorry but you make no sense. Flood is surface water and you are describing a loss originating from the upstairs. if you make your comments more coherent; someone might be able to assist.

Posted: Wed Jan 30, 2013 08:27 pm Post Subject: Sons flooded house

Ok! listen i know it makes no sense because Farmers agents that my son has seems to be un educated in her field.
My sons had a cooper pipe leaking from upper bathroom that went into ceiling, lower level flooded all of walls dry wall the rest of the pipes bursted. so on so on.

When my son called farmers and told them about the pipe that leaked all over and flooded the house, farmer said they could not file a claim for him due too, he has no flood insurance.

My son should not have to have flood insurance since he IS NOT IN FLOOD ZONE.

now he is stuck paying for all pipes to be replaced. My son has pipes leak all of a sudden. It came out of now where. No leaking pipes, no nothing.
All of a sudden it came from shower in upstairs bathroom, water went into the lower floor which is the ceiling of kitchen then to other places of the house.
Farmer his insurance company said because he does not have flood insurance they can not do anything. He is not in flood zone.
What can he do? :evil:

Posted: Thu Jan 31, 2013 11:27 am Post Subject:

Did your son talk to his agent or to the insurance company's claims department? If the only person he talked to is the agent (or someone in that office), the answer is definitely wrong, and he has been talking to the wrong person.

If the answer came from the insurance company's claims department, the answer is still wrong, and he needs to talk to a supervisor about the wrong answer he was given.

There is, however, a big difference between a "leak" and "sudden bursting" or "accidental discharge". Simple leaks are considered a maintenance issue and their repair is generally not covered -- although the damage they cause may be covered. Failure of a closed system is different. As an example: a long-term leak may damage wood floors or subfloors. The cost to repair or replace the floor will probably be covered, but breaking open the wall to find the leak and repairing the leak and the wall will definitely not be covered. If a pipe fails suddenly and catastrophically, then all the costs to repair the damage will usually be covered.

As for "flood", a flood does not originate inside a dwelling. Floods happen on the outside and come into the dwelling. That's why the answer your son has been given that the claim is not covered due to no flood insurance is wrong.

But everyone needs to understand something of importance when it comes to floods and flood insurance: one's home does not have to be in a flood zone in order to obtain flood insurance. Indeed, about 25% of all flood losses occur in areas not considered a flood zone and in properties not covered by flood insurance because of it. The cost of a flood policy for any property not in a defined flood zone will be minimal (but will still be a few hundred dollars per year, based on the value of the home and contents).