Unless you have flood insurance you aren't covered in the event of a flood. If a branch breaks through the roof and the hole causes water to come in then it's covered. Flood coverages are a crazy affair. These days if you try to make a claim on anything they want to drop you instantly or run your rates up so high you just go ahead and cover it yourself. Flood insurance is the biggest racket since the piramid schemes unless you live on a flood plane. On cars it works out ok but houses it's a crap shoot. Whe have deffective shingles on our roof and wanted to get it replaced. Our part was going to be 3 grand and our rates would have jumped up double in price. The price of getting it replaced was 5,500. I have been with State Farm for 30 Years. Ass holes!
As far as the guns go out and get a good dehumidifier which you should have got to aid in drying out the house and put it near the gun safe open and get them all dried out real good and then oil them down like the previous post stated. I keep a real good thick layer of just Hoppys oil on all blued steel and then keep them in silicone impregnated gun socks.
The best advise I can give you is get a personal articles policy through your insurance company. You have to give them a description of the gun and seriel number. In the event of a loss the home owners policy will only cover 2,500 dollars in guns. With a PAP policy it's a stated amount you determine. Make sure to add red dots and mods to the price when giving the description. Personal Articles Policy. Best thing since sliced bread. No matter what happens they are covered 100 percent with no deductible.
As far as the guns go out and get a good dehumidifier which you should have got to aid in drying out the house and put it near the gun safe open and get them all dried out real good and then oil them down like the previous post stated. I keep a real good thick layer of just Hoppys oil on all blued steel and then keep them in silicone impregnated gun socks.
The best advise I can give you is get a personal articles policy through your insurance company. You have to give them a description of the gun and seriel number. In the event of a loss the home owners policy will only cover 2,500 dollars in guns. With a PAP policy it's a stated amount you determine. Make sure to add red dots and mods to the price when giving the description. Personal Articles Policy. Best thing since sliced bread. No matter what happens they are covered 100 percent with no deductible.
