I just got a call from my brother. It seems my cousin's house has collapsed! We have been hammered with lots & lots of rain. He does not live on a flood plain, but is on a pretty level area. This was an older house. The front basement wall caved in. This caused the living room to collapse into the basement. The house is a total loss. He called his insurance, but they said it is not covered because he does not have flood insurance! My question is, how can this be considered flood damage if he does not live in a flood plain?? This makes me so mad & it's not even me! Insurance is such a rip off. No matter what you have, they will try to get out of paying it. His mom & dad lived with him & are temporarily living with their daughter. Not sure where Stephen is going. I feel so bad for him. It would be bad enough to lose your house & lots of the things in it, but to be told you will be getting no financial help to re-build is just beyond cruel. OK, there's my rant! Any suggestions for the poor guy??