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Recovering from Sandy: Surveying the damage

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    Bob Massi answers your insurance policy questions

  • Duration 3:15
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-- -- -- Thousands are expected to file insurance claims for the damage done to their homes and cars I guess and -- top of that many are finding that their cars or flooded or crushed by trees so.

-- -- insurance paid for damage to your car's back with us now is Fox News legal analyst Bob met here I don't Bobble a couple of questions here have a lot you know -- Let's look can we just don't get -- we got to go ahead go ahead.

I'm the savior in Italian we say what I just saw it you know rather -- you guys have -- -- the very early in the morning.

I must I have ever -- that's what long lines you -- -- do media anyway but let's get a couple of quick questions on -- it got cartilage damage from flooding -- insurance cover the losses.

And by the way who makes the payment.

First let's talk about the payments most of us should have what's called gap insurance rights issue that I mean if you don't have -- have a gap insurance means.

That if your cars loss and some type of accident or whatever gap insurance would make the payments on the -- if you don't have it you're stuck making the payments -- of the flood damage.

Comprehensive coverage should always cover the flood damage generally speaking there -- some insurance companies -- because of where you live.

Even with comprehensive won't cover the flight.

But make sure you talked your agent obviously during this period of time people -- to get to their agents some time but comprehensive should cover the flood damage to the vehicle.

Okay what are there any rights of tenants.

Or you know occupants on the -- -- some stood destroyed from yeah what.

Yet this is going to be -- little tricky first of all remember most carriers don't cover flood insurance lets you go through federal programs so if you're Tenet in New York City.

And your -- have been damaged and it's from flood damage.

Then many times.

Your policies don't cover it and this is where it's -- -- get tricky like I said yesterday you're going to see.

Some rural acrimony here between insurance companies and insurers and that's -- the government's gonna get involved to see what help they're gonna give to people.

A year to see a lot of what we call bad faith lawsuits between people bought insurance and didn't pay and courts interpreting the language and policies.

So the landlord the question is that they have flood insurance mostly most of them don't -- they go through the federal government.

Ted that you -- generally don't have it for contents insurance so this becomes an interpretation of language many many times we saw in Katrina.

You're gonna see it in this particular situation also in that brings up third question at what point should you seek legal advice.

Let me tell you.

As soon as anyone and it's going to happen.

-- fills a push back Eric in any way from the carrier from their insurance company where they're not there's not a sense of cooperation.

I'm let's -- got to run to a lawyer but one -- saying is at some point.

You'd better get a little bit of advice.

To somebody explain what are your rights during this situation last thing people think about right now and I understand that what's happened in that part of the country's terrible.

But at some point if if you're really not feeling that they're doing what they're supposed to do good faith.

You better get over the legal -- understand what your rights are and what kind of coverage is there and what and what if you're gonna get any kind of help at all from your carrier hi Bob always great advice appreciate your time Bob -- Take care and -- you can email Bob your questions by logging on the FOX & Friends.

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