Connie Fisher":2vt336xv said:
So how does this get sorted out, where someone's boat gets loose and ends up crashing into someone's house, yard or sitting on the railroad tracks, so who’s responsible for the removal, damage done etc., since “sandy” would be considered by the insurance companies as an act of God?
Just curious!
Regards,
Ron Fisher
Hi Ron,
It depends a lot on the insurance company and the type of coverage. Your regular homeowner's insurance does NOT cover hurricane or flood damage. You have to have separate policies for both of those. Even then, you get into the situation where the different adjusters will argue about which policy should cover what... was your dock damaged by the tidal surge or was it wind damage? Part of your roof blew off and the inside of your house was saturated by the 20+ inches of rain blowing horizontally... wind or water damage?
Having been through a hurricane and dealt with the aftermath, it is an exercise in frustration... while you wait for adjusters, but you don't want to start repairing things before they get there? We were able to get an adjuster in about 48 hours after we were able to get back on our island, then we went to work immediately on the repairs. Contractors get overwhelmed. Supplies needed to make repairs are quickly sold out. The more you can do yourself, the better off you are.
Need to get that boat off the railroad track? Get a trailer, a come-along, a ramp, something to roll on, and some friends who are willing to help.
If your house is
gone, that is another story. You have some gut-wrenching decisions to make. If there is water damage, you need to start ripping out dry wall (wet wall?), carpet, and other flooring to see how deep the damage goes... it is VERY important to start the drying out process right away to keep the mold at bay.
I understand why some folks can't imagine living in a hurricane zone. Probably the same reason that other folks can't imagine the need for self-sufficiency during a blizzard... or even wanting to be where the water freezes and there is nothing green and flowering for months at a time.
Hurricane insurance is expensive. You can be sure there are a LOT of people in the affected areas who do not have that insurance. Or flood insurance. This is where the government will likely come in and make low-interest loans for people to rebuild. Some times, the National Guard or State Road Crews will come in with heavy equipment to remove the big stuff (displaced boats, roofs, demolished buildings) in the interest of public safety. If that displaced boat was in ruins before getting moved, you can bet that there will be even more damage after.
Hurricane Dolly hit our area in 2008. I would venture that most people (beyond those who live here) probably don't even remember it. Jim Cantore was here for a day or two, then moved on to the next big weather story. The damage was widespread: economic ruin for a lot of businesses, since the hurricane hit early in the summer tourist season. Communities that were still flooded months later. Two years later, there were still places rebuilding. Four years later, there are "the scars": foundations where a building used to be; empty buildings where a business used to be.
The media reported it: "Fortunately, the hurricane made landfall in a relatively unpopulated area."
Sandy will go down in the books as one of the most expensive natural disasters our nation has faced. Those in that area will be affected by this for years to come. A long time after folks have forgotten about that boat on the railroad tracks, there will be people who fear any mention of a storm.
So, who's responsible when stuff goes flying around? Time to find out how comprehensive one's insurance is. And in the end, we all pay more for insurance after something like this.
Sorry if that was way more detail than you wanted.
Jim B.