Is there any insurance I could have purchased to cover my contents for Hurricane Ike?
I live in the Galveston Texas area.I filed a claim with my insurance company from the damage caused by Hurricane Ike. My homeowners insurance is not paying anything at all. Texas Wind Insurance Association is paying only for damage caused to the house itself, they are not covering my contents. Is there any insurance I could have purchased to cover my contents?
Tags: Contents, Could, Cover, Hurricane, Insurance, Insurance Company, purchased, There
Why is your homeowner’s insurance not paying? Was it flood damage?
Well, we had to have flood insurance where I live (IL) (required by mortgage) & I know it doesn’t cover contents….only dwelling, & washer dryer etc. All the clothes etc we lost due to flooding from rains from Ike are not covered.
Sucks.
Neighbor to you, (Lake Charles, La.), just wanted to say sorry to hear all of this stuff is going on for you, but glad you’re ok and safe…that’s all that matters!
I wanted to give you this information…..
Have you tried to get the SBA Loans? (When you register with FEMA, you should get a packet in the mail from them.)
Registered for FEMA?
I don’t understand all the stuff for SBA, but I know it will help you with stuff insurance is not paying for.
To answer your question, yes you can get contents added to your insurance plan, just be sure you are accurate on prices when you are putting them on insurance and allow for a little more due to price changes.
IF you had contents coverage through TWIA, that would have covered the WIND damage to your contents.
If you had flood coverage, with contents coverage on that, it would cover flood damage to your contents, that were in the house, above ground level.
If you’re being told you have no contents coverage, well, you could have bought contents coverage. And you should call your agent Monday, to see about adding contents, so the NEXT hurricane is covered.
**ps, I lost my house in Galveston, too, and didn’t have any insurance on it. We’re headed down tomorrow to see if anything is salvagable, but I doubt it.**