residents study the tough way that their domestic insurance policy isn’t similar to flood coverage

roy hansen, 75, hopes ian is the remaining close come across he has with a typhoon.

“i don’t need to do something like this once more. just crazy. insane,” said hansen.

he wasn’t sure he and his spouse of fifty two years would survive the growing waters in and around their domestic in south lee county.

“i checked out her and he or she looked at me–i said is this the manner we are alleged to go out. treading water to our rattling neck?” said hansen.

hansen said climbing into the attic stored their lives.

“we simply told ourselves we’re going to make it,” stated hansen.

despite the fact that much in their property were destroyed by water, they notion it became all going to be ok due to the fact they had insurance.

i notion i was truly included for the entirety. you understand, i failed to worried approximately a thing. properly i concept if it ruins the whole lot. i bet maybe we’ll get the whole thing back. however we don’t,” said hansen.

it truly is because hansen most effective has property coverage, not flood coverage. just 18 percentage of floridians have flood coverage, consistent with an evaluation by using the insurance statistics institute. a few houses in hansen’s elements of metropolis noticed an 8 to ten toes typhoon surge, that consistent with meteorologist megan borowski with the florida public radio emergency network. she says more floridians want to assume hard about shopping for flood insurance because of the nation’s low elevations, common rainfall and susceptibility to hurricanes.

“my solution can be a bit bit formidable, but i suppose it’s a terrific call. every body who owns assets in florida have to keep in mind flood coverage particularly in case you are near the coast,” stated borowski.

chris curry, the president of the florida affiliation of public coverage adjusters, says after an evaluation of the harm due to ian, he expects fema to make adjustments to flood zone maps so one can help proprietors inside the destiny.

“fema will likely adapt their modeling and require a lot greater flood insurance in a few regions that have been hit right here and perhaps past and maybe the mortgage groups will then adapt to that i’m sure and they’ll go beyond that,” said curry.

curry says ian has also uncovered the pressing need to educate owners that flood insurance isn’t a part of their common house owner’s policy. but for hansen it’s a lesson discovered the difficult way.

“i were given not anything. certainly not anything,” said hansen.