Houston Floods & my Wally
- Thread starter Yragha
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Sorry to hear about your house. I didn't evacuate and I'm questioning my decision after learning that we may have three more days of this rain.
I don't know the answer to your question, but flood insurance will cover it if DISH does not.
I don't know the answer to your question, but flood insurance will cover it if DISH does not.
I believe that damage to Dish equipment is the homeowner's responsibility, i.e. if damaged in a fire your homeowner's insurance covers it after deductible.
Hope you have flood insurance.
If it got wet, best bet is to open the box up, remove the hard drive and flush the motherboard with deionized water and then thoroughly dry it for at least 24 hours - then hope it still works
Hope you have flood insurance.
If it got wet, best bet is to open the box up, remove the hard drive and flush the motherboard with deionized water and then thoroughly dry it for at least 24 hours - then hope it still works
If it’s owned. Otherwise opening it voids warranty and lease agreement. Of course if it’s wet and turned on it would be fried and still be homeowners responsibility. Either way I would contact Dish first.
When Hurricane Katrina happened Dish replaced damaged equipment for free. They got positive press when they did that.
Lol...tornado....... jeepers I must have had Hurricane on the brain
With most insurance companies, you are lucky to get 10 cents on the dollar for all your damages. When Ivan struck Pensacola, I had $40,000 in damages and the insurance company paid me $18,000 and dropped me with in a year.
A number of years ago we had a derecho here, straight line winds of 100+, which did a lot of damage over a narrow path. Initially the news called it an "inland hurricane", but when some lesser insurance companies used that as an excuse to pay nothing, they changed terminology.
I t depends upon the language of your policy.
Preface..I used to work in an insurance related industry.
Restoration..
The typical homeowner's insurance policy covers fire and casualty.
Depending upon location, additional coverage is either available or mandatory.
For example, if a home has a mortgage and is located in a coastal area or FEMA Flood Plain, flood insurance is required by the lender
For hurricane, wind, wind driven rain, this also is a separate item that may be added at the discretion of the owner OR, by state or federal mandate.
Many instances where insureds misunderstand the language of their policy. When a loss is incurred, they are often shocked at the settlement amount.
of course the homeowner automatically thinks they are being "ripped off".
In the case of those in the Harvey affected area, homes not covered for flood, will receive no settlement from their carrier. Additionally, FEMA will offer Individual Assistance. However pay tv equipment and anything not deemed essential is not covered by FEMA...
Wasn't being negative simply stating the obvious. It does say that everything is subject to change at anytime in the DISH disclaimer.
Well too late now, but my standard procedure regarding expensive electronics when evacuation is necessary would be to either take it with me, or make sure it's safely stored away. In the case of potential flooding this would mean on the upper floors of the house or at least on top of a tall cabinet or other furniture. Past that, let the insurance figure it out.
