I have thought about this a lot. What about the people whose homes are unsalvageable and their homeowner's insurance doesn't cover water damage? Do they just lose everything? If that happened to me right now, I don't think I could recover. I would be so devastated, and to think this might happen on top of losing so much else. Maybe I'll sell my house and rent now! If you're in an area that MIGHT get "rising water damage" (either from storm surge, rivers rising, or just a low-lying area that might fill up with rain) you should GET FLOOD INSURANCE. Then you're home will be covered from both directions in case of a major storm (wind from above, water from below).Julie
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