Why does it matter? Certainly anyone who lived in these areas knew enough to have flood insurance in addition to their normal homeowners, right?

Right?

Please tell me that these people are only debating which policy pays, right?

Not that anyone would be so stupid so as not to be insured against all threats? People couldn't really be sueing their insurance companies and expecting them to pay for a home that was never covered because they didn't get seperate flood insurance. No one would ever try to drain the pockets of a big company for anything like that would they?

I know evidence of what caused the destruction might be hard to come by, but there are experts in this sort of thing, if they say it was water and not wind, why would anyone expect the insurance company to pay? It couldn't just be that people who didn't want to pay for additional insurance before the event want the coverage afterwards right?

I suppose we'll have to wait and see... Me? I hope the insurance companies don't get held responsible for these peoples shortsightedness.

/ State Farm customer
// over-insured for things just like this
/// spend all my money on insurance instead of things that need insured...

MV