Over the past couple of days, that’s a phrase I’ve heard several times, and its an issue that raises an interesting question —  Are insurance agents potentially liable for the flood damage suffered by Tennessee residents across the state?  I think the answer is yes.  

This is really a more complicated question than one

 FEMA has published several tips for filing a flood insurance claim that can be accessed here and here.  Be sure to note that a proof of loss must be submitted within sixty days.  It also has a brochure that addresses common myths about the NFIP (National Flood Insurance Program) that can be downloaded here.

 Fifteen or so inches later, the rain has officially stopped.  The entire state breathed a sigh of relief yesterday as the sun started trying to dry things out.  I was one of the lucky ones who didn’t have any damage, but there are thousands of people who have lost personal treasures.  Photographs, antiques . .