In California, scientists predict that the rains will start in January 2016, and that there may be a LOT of RAIN, causing flooding and mud slides. It is recommended that you get FLOOD INSURANCE NOW.
The Mercury News said flood insurance for your home will cost between $140 and $1000, depending on your location. There is a 30 day waiting period before the flood insurance goes into effect.
Flood insurance also covers mud slides and sewage backup due to floods. (Check the policy though.)
I think that California is going to have a tough time getting flood help from the federal government.
If, come the flood, the private flood insurance does NOT pay for your damages, we can use the anger to teach manners to insurance companies.
The Republican "business knows best" propaganda got California to pass a proposition that insurance companies did NOT have to negotiate "in good faith*".
We need to pass a new proposition that insurance companies MUST NEGOTIATE IN GOOD FAITH.
* "Good faith" means that an insurance company must take into consideration your valid claim instead of their businesses need to not pay you.
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