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<p>[QUOTE=&quot;Marshall, post: 8183961, member: 21705&quot;]Theoretically. But I&#039;ve been burned by too many insurance guarantees in the last fifteen years to put much faith in those.</p><p><br /></p><p>They cover almost everything when they sell it to you and almost nothing or peanuts when you submit a claim.</p><p><br /></p><p>I&#039;ve heard, &quot; YOU have to prove it was ONLY Falling Water or YOU have to prove it&#039;s ONLY rising water or YOU have to prove it&#039;s ONLY sewer backup when all three happen in a hurricane.</p><p><br /></p><p>Times 6 since 2005.</p><p><br /></p><p>Oh! By the way, it&#039;s only replacement value if you build back on the same lot instead of moving to a less flood prone area.[/QUOTE]</p><p><br /></p>

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