For Better or For Worse by Lynn Johnston for April 12, 2023

dreadful

What kind of household insurance excludes flood?! Even if you are in the habit of flooding your house, or live in a flood area, there will still be cover (albeit expensive).

I hope the “insurance salesman” strikes Elly and her big mouth with lightening!!

what dentist keeps patient records in their home basement?

Quick, burn the house down! Insurance covers that!

Is the “act of God” clause for real?

lossing the Clinic records could get him in BIG trouble if he gets audited

Nowadays you can store all your records in “the cloud” where they may be safe from floods but not from other potential losses like being hacked. There are also professional storage companies that will do, or back in the day would do, commercial/professional records. John can be awfully negligent for a licensed medical professional.

Our home insurance covers damage caused by flooding in the basement do to plumbing problems. It’s a requested add-on and doesn’t cost much. We aren’t in a flood zone.

I question why he would claim to replace the drywall with the insurance. If the basement was flooded, wouldn’t replacing the wet wall all that is necessary?

My insurance covers flooding.

Back 10 years ago my sump pump died and the rainy Spring overflowed the sump. Flooded the basement (but not to the extent they did here). Ruined the wood floor. It cost me $1200 out of pocket because my coverage included that very situation. But “Mayhem’s” minions paid out for the cleanup and a new wood floor.

Maybe Canada is different in terms of their homeowner’s insurance.

We have had this discussion. Flood insurance is a specific item that had to be added to our insurance. But this is not an ‘act of God’. They had a sump pump. The sump failed. Usually that is covered.

All insurance is a scam, especially the “act of non-existent invisible sky demon” crap.

yep, you have to add flood insurance

The mortgage co required separate flood insurance for our house. Flood zone.

You CAN get flood insurance, but most people tend to ingore it, saying “That will never happen to me”…then scream “crappy insurance company” when their claim is denied BECAUSE THEY DID NOT BUY THE COVERAGE. Why should the insurance company cover a claim that is not in their policy? It is like blaming the car company for negligence when you have an car accident. You think that they should have known you would be a crappy driver.

There are two different types of “flood” insurance. One covers from flooding from outside and the other from water damage caused by breakage of pipes etc. inside. This is in the US.

USAA covers plumbing floods..

I’m flashing back to a “Far Side” from years ago where a man saying “I’m not covered for acts of God” as God tap dances on the roof of the man’s house.

My insurance company explained that there was a difference between flood and rising water. The only thing I figured was they were not going to pay for either since it would probably be considered to be neither.

Insurances job is to sell you peace of mind - their business is to make money – not spend it. And if they have to spend it — expect your rates to go up.

Called it!

John is partially correct… Many policies have numerous exclusions regarding “flooding”. Plumbing leaks would most likely be covered. “Rising water”… well, sometimes. Flooding from hole in roof due to wind damage, most likely covered. ‘Failed Sump Pump"… maybe not, since most insurance companies would classify that an ’appliance’ and home owners insurance does not cover appliances. People can buy that coverage relatively cheap though. Sump pump failure coverage takes the form of a rider or endorsement attached to a standard homeowner’s insurance policy.

That is a good usage of insurance. They just take our money and we get nothing.

If I lived in a place with a sump pump, I wouldn’t put important items that could be water damaged in the basement. Unless I had a backup generator or battery / inverter, the pump would fail in a power outage. A storm could cause a power outage. So could a traffic accident.

At one time, we did live in a house with a sump pump. One time, it failed because a piece of plastic got into the sump. It somehow was small enough to get past the screen, but was able to jam the impeller.

Insurance is great to have… Until you need it

God owes me a convertible top on a Cadillac! Slippery Insurance Companies!

Who else is tired of talking about the Patterson’s flooded basement, sump pump and flood insurance? Good grief give it a rest , Lynn!

So you want to make a claim that a robot with artificial intelligence destroyed your property – sorry that’s falls under acts of god.

Why is it that God gets blamed for disasters while Mother Nature gets credit for the good stuff.

More like an act of Nature.

the standard rule regarding house flooding and insurance is: if the water came down, it’s covered. if the water came up, it’s not. Flood insurance is extra, if available in your locale.

An act of God? Wow, maybe this is his way of telling that loudmouthed, bullying tyrant that is name is God Almighty, NOT Elly Patterson! And the way she’s abused her kids these past two weeks, she deserves it. Of course, he’ll have to give her a near-death experience to make her stop screaming and cursing her husband and children!

Lately, I’ve noticed that Ellie’s gaping mouth resembles Joe E, Brown’s bigger-than-life pie hole!

Does Canada not have flood insurance? Down here many mortgage providers REQUIRE it if your home is in a flood-prone area. They are flood-specific policies not a part of the regular homeowners insurance. In order for coverage under a regular homeowners policy there must be an issue that caused the water to come in, like roof damage or a window broken in a storm.

We have flood insurance in Oklahoma, but you have to ask for it. The closest a flood ever got to my house is seven miles, because I sit on top of the highest point in the area.

This is why Canada needs comprehensive single-payer for everything under the sun

Latest installment of the Pontificating Hippie in the final panel aside, the touchstone in this installment is the word “drywall”. The cheap alternative to plaster, and a catalyst in such messes as this one.

My sister’s toilet overflowed (second story) and her ins. covered the damages.