Couple told their living room is a 'basement,' not covered under flood policy

Following the flooding caused by Hurricane Helene, Jaime Giangrande-Holcom and her husband were left in a difficult position when their flood insurance claim was denied. Their living room was classified as a “basement,” a designation that excluded it from coverage under their policy despite their long history of payments. This incident illuminates the often confusing and intricate world of flood insurance, where definitions can significantly impact claims. With twelve years of faithful premium payments, the couple's struggle illustrates the potential for homeowners to encounter unexpected challenges when dealing with insurance companies. As they navigate this situation, it becomes clear that many homeowners may not fully understand the limitations of their coverage until it’s too late.

The couple's plight not only highlights their personal struggle but also raises awareness about the broader implications of flood insurance policies in flood-prone areas. As more homeowners face similar circumstances, their story emphasizes the need for clarity and understanding in insurance agreements. This case serves as a reminder of the importance of thorough policy reviews, especially for those living in vulnerable regions.