"JoeSpareBedroom" wrote in message
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"chbelfiore" u42365@uwe wrote in message news:81a3e5dd5bf38@uwe...
JoeSpareBedroom wrote:
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
[quoted text clipped - 36 lines]
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?
I live in Bellevue, OH.


Sorry to hear about the mess you're in. This probably looks familiar:
http://www.sandusky-county-scrapbook...s/bellevue.htm

http://www.sandusky-county-scrapbook...s/floodsSC.htm

http://www.bgsu.edu/colleges/library/cac/acgal0212.html


Apparently, it *is* a flood zone, although the definition may depend on
how often it happens. Doesn't really matter, though. What does your
homeowner's insurance contract say about coverage?
Does it matter?? -- Homeowners' insurance does not provide flood coverage --
only the federal flood insurance program does. Absent that, there's little
you can do with your homeowner's policy.

Flood insurance is so inexpensive in a non-flood zone that it's hard to
understand why someone would not buy the insurance under the federal
program. Those that don't have the federal program have essentially decided
to provide for their own expenses after a flood, although they may not have
realized it at the time.