Flood Insurance Claims

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Updated: 9/16/2013 10:08 am
With the unusual amount of rain we've seen lately, many have been left to clean up the mess with no assistance from insurance.

Flash floods are hitting Pocatello hard this summer season, and in some parts of the valley, rain has wreaked havoc on homes.

"We have to pretty much tear out most everything in the basement, we're tearing up all of the, I mean it came up about 2.5 feet at one point in one of the bedrooms so we're going to have to redo the whole basement I'm sure," said Antoinette Betty, homeowner in the Mink Creek area.

The amount of mud in the Betty's basement is bad, but the fact that insurance doesn't cover the damage is worse.

"Flood insurance is not a part of home owners insurance, it's its own policy, it's separate. So unless you're in an area in Pocatello or east Idaho that's in a flood plain, more than likely you did not purchase flood insurance," said David Reichelt, Insurance Agency owner.

As a homeowner, you might assume that by simply having insurance water damage in the home is covered.

"A toilet backed up or your washing machines hose broke so now you got water everywhere. Those are called water damage and that's a totally different type of loss, that's covered under our home owner's policy whereas the running water that comes in from the outside that's called a flood isn't," said Reichelt.

So being a homeowner, do you run and purchase flood insurance right now, or do you chance it? Depends on where you live and how confident you are that the amount of rain we've seen lately is a rare occurance.

"I've never seen it before, This type of rain, but it certainly can't hurt to go talk to your insurance agent and see what are my options, what's my cost, and insurance is about buying peace of mind too," Reichelt said.

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