Hello, and thanks for taking the time to stop by!
I made this page to help with the ridiculous amount of bills that are the result of an Army Corp of Engineers "Berm" breaching and flooding both towns with 6-15 ft of "FLOOD" water. Here's where it gets interesting...
Out of the last 30 years of having Allstate, home and car insurance (and paying on time, all the time and never missing a payment), Allstate has decided NOT to ensure this event, as it was a flood, and that would be the job of the flood insurance. Sounds, reasonable right? Next up, Allstate Flood insurance, who says that in fact 15 feet of water rushing down the street and flooding your neighborhood does not count as a flood, because it was in fact man-made (via the Berm breach) so they won't cover a dime either. 30 years of premiums, and no accidents... and this is how they treat you?
But wait, it gets better. FEMA won't cover at all until Allstate gets their act together and pay their fair share. So basically We've got three insuring entitiies, yet somehow this is an uninsurable event? We have received zero assitance, and the house is still a mess. The utilities have "red tagged" all our hot water heaters and boilers, so we cannot fire them up until they have been replaced.
Also. the Army Corp of Engineers (who use the berm, as part of their flood control design) now claims that they did not build the berm, so they cannot be legally responsible for its failure.... while this is true in a way, they still USED the berm in their design, if it was inadequate, then they should have not used it, and instead built a seawall to maintain their flood control operations.
Once you decide to use an old dirt hill in your design without reinforcing it or in any way making it better, it should now be YOUR responsibility, as part of the designed - regardless as to whether you or god built the berm