To answer your point, though, not really.

You may have some recourse with whomever sold you flood insurance that caps
at $5000.

Although that plan likely covers only the dwelling and not the contents, but
you try and hire a contractor to build you a new home for 5k. Not bloody
likely. So - you are UNDER insured.

The rule of thumb in insurance is rising water is not covered, falling water
IS. The opposite for flood.

HTH

"JoeSpareBedroom" wrote in message
...
"chbelfiore" u42365@uwe wrote in message news:81a31a1fd4fb1@uwe...
I have lived in my home for 6 years. When I bought the home, one of the
biggest selling points was the dry basement. Neither the street I live on
or
the house had seen flooding in over 35 years. Some of the older homes had
"wet" basements because they were built before sump pumps were invented.
The
water would enter through a drain in the basement. But even when it
rained
really hard - I never saw a drop in my basement. I have a sump pump and
the
crock has always been relatively dry. Being a single mom, I still
purchased
flood insurance "just in case". I dry locked the walls and floors and
stuccoed the inside walls. This past October, we finished the basement
with
drywall and added bedrooms for my kids. Carpet, entertainment center,
exercise equipment - the whole deal. This year.....we flooded.

The water table in our town is so high rght now, the water has no where
to go.
Everyone on my street has been pumping out water for over 5 days - it is
going nowhere. My walls on my first floor are cracking. My doors won't
shut
and worst, we just noticed that the basement flooring is buckling. The
water
is now coming through the floor in the basement and we see no relief.

My flood insurance gave me a cap of $5,000.00. Not sure if my Homeowners
will
cover any more of it, but the adjuster said it is doubtful. I still have
a
Lake in my front yard and a pond in my back yard. Four sump pumps in my
basement are keeping the water down low enough to run the furnace and the
water heater. All of my neighbors are in similar shape and we are just
entering the rainy season.

Has anyone out there ever dealt with this? What do we do? Will our floors
and
walls crack more? Is it fixable? Should our homeowners insurance cover
more
than the flood insurance. We are not in a flood zone - so most didn't
even
have flood insurance. We are all at a loss. Please help.



Where do you live?