Richardson Homeowners Waiting To Learn Who Will Pay For Flood Damage After Water Main Break - NBC 5 Dallas-Fort Worth
NBC 5 Responds

NBC 5 Responds

Responding to your consumer needs and connecting you to your money

Richardson Homeowners Waiting To Learn Who Will Pay For Flood Damage After Water Main Break

    processing...

    NEWSLETTERS

    Homeowners Waiting To Learn Who Will Pay For Flood Damage

    Homeowners in Richardson are meeting to determine what steps they should take to get their damage covered. (Published Tuesday, Sept. 4, 2018)

    Water service is finally returning to normal for many people in Richardson after a water main break there last week.

    The problems are just getting started for those homes damaged by the break.  

    Homeowners say they’re still trying to get someone to take responsibility for the incident and find out who will pay for the thousands of dollars in repair to their homes.

    It’s possible homeowners and flood insurance both may deny your claim in a situation like this.

    White Official Tells Black Woman He Belonged to Master Race

    [NATL] White Official Tells Black Woman He Belonged to Master Race

    Some Leavenworth County, Kansas, officials are calling for Commissioner Louis Klemp's resignation after he insulted a black woman who had just presented a land-use study to the commission. "I don't want you to think I am picking on you because we are part of the master race. You have a gap in your teeth. We are part of the master race, don't you forget that," Klemp said. 

    (Published Friday, Nov. 16, 2018)

    By law the water district has protections in place to keep them from paying your private damages.

    Melinda Hutchenrider’s home was Ground Zero for the water main break.

    Her floors, walls, furniture were soaked for hours as the water kept pouring in. She called her insurance company for help.

    "We get a call a day after saying we’re not even sending an agent, you’re not covered, this is not our issue," said Hutchenrider.

    Homeowner’s policies don’t cover flooding. You need flood insurance for that, but even flood insurance has very specific coverage.

    "Coverage is dependent on numerous factors related to the damage to the building, and how the flood occurred. We strongly urge policyholders to speak with their individual insurance company" said a spokesperson for FEMA.

    Homeowners in Richardson say their agents have turned them down, and the water district hasn’t made them feel much better.

    "She told us this has never happened, we don’t know what we’re going to do, you have a claim number but I can’t guarantee you today that we’re going to pay for anything," said Hutchenrider after a call with the districts third party claims representative.

    NBC 5 Responds spoke to insurance industry experts, FEMA, even disaster cleanup crews who all say there is no clear way these or any homeowner could have protected themselves from this.

    It’s a liability that’s outside of their home and laws on the books often protect public utilities and cities from being held accountable. 

    Ultimately insurance companies, homeowners, and the water authority may have to hash this all out in court.

    In the meantime, it's left in the hands of the families to handle.

    FDA Announces Crackdown on Cigarettes

    [NATL] FDA Announces Crackdown on Cigarettes

    The Food and Drug Administration is making moves against the tobacco industry in an effort to crack down on smoking in teens, saying it is working to ban menthol and mint in all cigarettes, as well as flavored cigars. The agency also announced it will limit the sales of flavored e-cigarettes to youths, both in stores and online.

    (Published Friday, Nov. 16, 2018)

    "We don’t have that kind of money, we don’t have that kind of savings," said Hutchenrider.

    The North Texas Municipal Water District said they're working with the district's insurance carrier on the next steps.

    They released a statement saying in part:

    "At this time, the appropriate process is for the involved insurance companies for homeowners and the District to review the claims for available coverage. We understand this process is frustrating and time consuming, and we are working to provide further information to homeowners as soon as possible"

    Get the latest from NBC DFW anywhere, anytime

    • Download the App

      Available for IOS and Android