Homeowners in Florida whose homes were hit by Hurricane Ian may try to force payments for flood damage that insurers say they aren’t legally obligated to cover
At stake are potentially billions of dollars in proceeds from homeowners’ policies that, if homeowners get their way, could close some of the insurance gap and help people rebuild and repair homes. Insurers say their flooding exclusions are solid and the premiums they charged didn’t bake in responsibility for flooding damage. But determining whether wind or water actually caused the damage isn’t always clear-cut, particularly if just a slab is left.
The low uptake rate for flood policies “opens the door for immense litigation,” said Barry Gilway, chief executive of Citizens Property Insurance Corp., Florida’s state-run insurer of last resort. “You will have attorneys lined up to take cases in instances when the cause of loss is difficult to determine.”
President Biden praised Floridians’ “grit” in the aftermath of Hurricane Ian during a visit to Fort Myers Beach on Wednesday. He met with Gov. Ron DeSantis and surveyed the damage caused by the storm. Photo: Evan Vucci/Associated Presswhere Ian arrived Insurers’ adjusters are expected to be looking at such things as marks left by floodwaters on walls and sand on floors to ascertain flooding damage, while assigning responsibility to home insurers for such things as roof replacement and broken upper-story windows.
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