Flood Insurance

Hi everyone,


Thought I'd better pay attention to my blog.  Well we survived the flood, but the fight continues.  I heard my father say something about still fighting with the insurer.


From what I can see, that has caused some floods of a different kind. First of all there is the flood of tears from Mum when she saw her treadle sewing machines had a bath in sewer.  I still think it made them smell nice.


Then there is the flood of paperwork that inundates us remorselessly.  

Helping Fight the Paper War

My father said the insurers have a sense of humour.  Apparently, to insurers flood does not mean flood.  There is flood insurance for riverine flood, storm flood, tidal flood, overland flood; but the most popular flood insurance in Queensland is the you ain't getting anything from the insurers flood cover.


So in Queensland, when an insurer covers you for flood, by flood, they mean the sort of flood that could not ever possibly effect your place.  And any other flood doesn't count.


To make sure we weren't covered the insurer got the hydrologists to decide what flood it is.  They said our place was inundated by overland flood and we don't get covered.  Our neighbour was told that their overland flood insurance didn't count because they had riverine flood.   This means the insurers do high fives and tell everyone what a good job they did.  Insurers also don't let you see hydrologist reports because they only get them to tell you that you are not covered.


My dad is still arguing with them because he says it wasn't flood that flooded us. It was sewer that came up through the pipes to contaminate us.  He said the water that came up from the sewer and was full of effluent. Dad said something about helping the hydrologist into the sewer pipe if he wanted to come have a look.


I don't think the insurers understand what he wants.  We had lots of rubbish when the sewer flooded our place, so we already had enough of it.  We had so much we shared it.  Dad says the insurers letters are also full of rubbish.  Maybe they don't think we had enough of it. 


So it seems the flood continues with letters from the insurers saying why they didn't mean the flood we had when they meant flood cover, and just like the first flood it is all full of effluent.

 It is all so tiring