Storm damage claim – Should I file Flood Insurance or Homeowners?
We had a limb drop on our shed today during a storm which made a hole in the roof. We have a $2500 deductible on our homeowner's policy which we haven't met and we have a separate flood insurance policy from Uncle Sam. Bottom line: this is our first year in the house and we don't have enough money to cover our deductible now thanks to Murphy and his stupid law. EVERYTHING has broken in this house this year and unluckily for us, Homeowners insurance hasn't helped at all. Will Flood insurance issued by the Govt. cover the roof on this shed or are we straight-up screwed?
We had a limb drop on our shed today during a storm which made a hole in the roof. We have a $2500 deductible on our homeowner's policy which we haven't met and we have a separate flood insurance policy from Uncle Sam. Bottom line: this is our first year in the house and we don't have enough money to cover our deductible now thanks to Murphy and his stupid law. EVERYTHING has broken in this house this year and unluckily for us, Homeowners insurance hasn't helped at all. Will Flood insurance issued by the Govt. cover the roof on this shed or are we straight-up screwed?