Wednesday, February 1, 2012

Why should you have flood insurance when you live in Texas in the middle of a drought? This is why.

In case any of you dear readers didn't know, I live in Texas. Actually I live in Central Texas where water is at a premium. In fact, we are in the middle of a drought.

Things are dry. Well, they were.

Until a week or so ago. Then it rained.

Six inches in one day. On dry ground.

Dry ground does not absorb water, it causes it to flow.

How do I know this?  Look at my poor floors.

The first two pictures are of my laminate flooring in my dining room, hallway and into my living room.

Just for clarification sake, the seams should not be obvious. The seams should be flush with the rest of the board. The seams should not catch your foot when you walk. The seams should not cause you to trip. This is no longer the case. fun.

And here is my bedroom. Remember the new carpet that we put in just two months ago? Yeah, that carpet.
But the carpet is okay because we pulled it up over half of the room, took the pad out and let it dry outside and had four fans running under the carpet for days.
If only the laminate was salvageable. :(

And NO, it is NOT COVERED by our home owner's insurance policy.  Why? because once the rain hits the ground it is SURFACE WATER. It's not rain anymore and insurance doesn't cover surface water without a flood policy.  Now, if the rain had come through the roof, they would cover that. If it had come through the window, yep, that would be covered. But because it had the audacity to hit the ground first, it's not covered. Yes, I'm a little bitter.

Because really, we live in the middle of a neighborhood, in the middle of town where the closest creek bed is at least a couple of miles aways, in the middle of Texas where we haven't had more than a dab of rain in forever. But yeah, I should have been carrying FLOOD INSURANCE!

What are we going to do about the laminate? Live with it for a while and be thankful that it wasn't the whole house.

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