I don’t believe in accidents. – Pablo Picasso

Introduction

Flood waters submerged the San Diego neighborhood of North Park in the early hours of January 5, 2016, after a water main burst. Bewildered residents were left with submerged homes and saturated property after thousands of gallons of dirty water rushed through the neighborhood mercilessly. People have questions. Here are some answers.

Here’s my interview with FOX5 San Diego on the North Park Water Main Break: Attorney offers advice to North Park Flood victims.

North Park Water Main Break: Flood Coverage

Homeowners and renters policies exclude damage caused by “flood.”

“Flood” is understood as overflowing, surging waters affecting at least two different properties. In other words, the water damage is not restricted to one home; it is spread among many. The North Park Water Main Break is a classic example of a “flood” as understood in homeowners and renters policies. What that means is that the damage will not be covered under a homeowners or renters policy.

If you purchased flood insurance from the National Flood Insurance Program, then you should be covered.

If you car was damaged and you have comprehensive coverage, then make a claim with your auto insurance company. The damage to your car should be covered, but your insurance company will limit your recovery to the actual cash value of the car.

If you want more information on homeowners policies, read El Niño Cometh: Understanding your Homeowners Policy.

North Park Water Main Break: Flood Liability

If the North Park water main was maintained by the City of San Diego, you should bring a claim against the City of San Diego. Read this: How to File a Claim Against the City of San Diego. Pay attention to the requirements and time limits. If you don’t, you will lose your claim.

Don’t be surprised, however, if the City of San Diego denies your claim or, at best, pays you pennies on the dollar.

Questions? Contact Me for a free consultation.