If your home flooded and is not livable please contact your insurance agent or carrier right away. Each policy has a vacancy clause that may apply to you, and each one is different. It will usually become effective 30-90 days after the home becomes vacant. The definition of "vacant" will be different from policy to policy. When the clause kicks in, some or all coverage will be suspended. We are finding that companies will suspend the vacancy clause for you. But you don't want to leave this to chance. Other companies are just advising that being out of the house due to reconstruction does not constitute a vacancy.
Please pass this on to others you know as well who have moved out of their home. It likely applies to them as well.
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