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Pastimes : Hurricane and Severe Weather Tracking -- Ignore unavailable to you. Want to Upgrade?

To: Jim McMannis who wrote (13765)	11/7/2012 10:19:48 AM
From: Jeffrey S. Mitchell	Read Replies (2) \| Respond to of 26017

Flood insurance only kicks in to supplement where your homeowner's insurance ends, or where it does not cover in the first place. I know for the last storm which did some major damage my friend had no need to file a FEMA claim. My sense is that people who find themselves homeless and need a place to live are the main beneficiaries of FEMA money as homeowner's insurance is usually adequate to cover your property. However, if, for example, the insured replacement cost did not account for the need to rebuild on pilings, an extra and significant added expense, I would think a FEMA claim could be put in for the difference. But I'm by no means an expert on this. - Jeff