Answers: Yes, it's a scam. I went down to New Orleans roughly speaking 6 months after Katrina to help near the ongoing cleanup effort, and I talk to several people that have flood insurance and didn't get anything or not nearly the coverage to which they be entitled. I was discussion with a bus driver whose insurance company decline his claim because the damage to the house be from "rain and meander, not floods"--nevermind he had floods 12 foot up his house. I heard so masses stories just similar to that. It's ridiculous.
It all depends on if the prejudice was a covered loss. The devil is other in the details. It's not a scam.
It's really a event of education. Insurance policies are not designed to cover EVERYTHING. If they did, inhabitants would pay 10 to 15 times more than they already do.
A homeowners policy have a standard coverage exclusion for "ground water" (flooding) coming into the house. In order to hold that covered you would need to own a flood policy.
If wind tears of your roof and a ton of rainwater get in through the hole, consequently that is covered. The problem is trying to integer out what happened first, flood waters coming into the house (not covered) or the loop tearing the roof rotten and then rainwater falls into the house. Personally, I have a sneaking suspicion that that if it can't be determined what happened first next the policy should pay, but I don't generate the rules.
You also need to read that every word in an insurance policy/contract is approved by the state. So these flood exclusions don't of late pop up out of nowhere when there are disasters.
OK, "feat of God" is NOT an insurance term. Acts of God are NOT excluded from a homeowners policy.
FLOOD, however, IS excluded. So, if you buy a Ford, and you don't get hold of a Mercedes, is THAT a scam? You get what you wages for. If you have no notion what you bought, shame on you - or shame on your agent, for not explaining that FLOOD is a seperate POLICY.
No never. Katrina would be considered an act of god.
Acts of God are not covered contained by any insurance Policy.
Sorry