Reply #17: well here is the problem

[pitohui]

if you have some documentation that the house was already destroyed by wind, you'd be OK, because you could collect under homeowner's

however if you were on the beach at biloxi snapping photographs when the storm surge came and washed everything away down to the slab, then you're dead, jim, and collecting on your insurance is the least of your problems

one of my friends lost two million dollar homes at bay st. louis/waveland, another's friend's apartment at gulfport was completely vanished from this earth

there is too little left for them to be able to show what was damaged before the storm surge hit

now i do know a friend in lakeview whose house was destroyed by the 17th street canal breach, because his home was not entirely washed away, he can show that there was a huge oak tree on the roof, which is clearly wind damage, his homeowner's insurance is actually giving him enough money to remove the tree (not that the tree will be removed, the structure must be demolished because of the flood damage) but even a few thousand extra dollars from his home owner's policy is worth going after since the flood insurance is capped and his home is worth more than that


so your friends have a point but they are going to have issue proving their point, even in lakeview w. a tree obviously on his house, my friend had some difficulty getting his homeowner's insurer to come out because he was on a map of an area supposedly totaled by flood