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Environment, Weather, and Green Living
Reply to "Helene and NC, could that happen in the DMV?"
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[quote=Anonymous]Thanks for this thread OP. Wapo article said only 0.8 percent of homes had flood insurance and it got me thinking. Well duh. They are INLAND. I always thought insurance was insurance and they pay out for (most) any event to get your house back to normal. They run the numbers of what could happen, risk algorithms, give you a price. And if you live in a flood prone area and get insurance they run the algorithm and say hey dude, get the flood insurance too, and you do. So I'm kind of stunned or maybe just stupid and naive that insurance companies are not taking responsibility for this risk, even inland. I know flood is "different" but it should be factored into the entire algorithm wherever you live, and you pay what the risk is. No separate flood insurance. Which I think they are starting to do on the coasts--require it-- which they should have done all along. How am I so off base? [/quote]
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