Kayaking past my house last Sunday. Water is up past the door handle.
this post was submitted on 18 Aug 2026
250 points (99.2% liked)
pics
29530 readers
468 users here now
Rules:
1.. Please mark original photos with [OC] in the title if you're the photographer
2..Pictures containing a politician from any country or planet are prohibited, this is a community voted on rule.
3.. Image must be a photograph, no AI or digital art.
4.. No NSFW/Cosplay/Spam/Trolling images.
5.. Be civil. No racism or bigotry.
Photo of the Week Rule(s):
1.. On Fridays, the most upvoted original, marked [OC], photo posted between Friday and Thursday will be the next week's banner and featured photo.
2.. The weekly photos will be saved for an end of the year run off.
Instance-wide rules always apply. https://mastodon.world/about
founded 3 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
This. Assuming OP is even covered to begin with. Insurance companies try to get out of paying for anything they think they can get away with.
Most homeowners insurance will not cover flooding, and will say you need separate flood insurance for coverage. If you're in a flood-prone region, flood insurance is going to be ridiculously expensive, but your municipality may also receive support from the fed (NFIP) for coverage.
But even with coverage, if you try to claim a kitchen appliance in flood damages and, say, it was kept too close to the sink, the insurance company could try to use that as an excuse not to cover it. They'll say it could been damaged by a source of water unrelated to a flood, that the appliance clearly had a tag saying not to expose it to water yet the owner put it in a negligent place.
Document everything for yourself, but don't preemptively give the insurance company the excuses they need not to cover things. Let them try to say no to something first and then come back with the receipts.
"Yeah the blender clearly says not to submerge it in water"
"The whole house is submerged"
"Clearly that shouldn't have been done, so we can't cover it"