The weekend storms that blew through the Las Vegas Valley caused widespread damage. The question is, who will pay the costs of the repairs?
"Generally speaking, homeowners' insurance does not cover flood damage," said FOX5 legal analyst Bob Massi.
From toppled trees to collapsed retaining walls and motor-vehicle accidents, damage estimates are yet to be determined for many homeowners.
"In many policies, you have exclusionary causes, so you get into an Act Of God - was it the wind that caused it? Was it the rain that caused it? Was it a flood that caused it?" Massi asked.
If the insurance companies decide wind was the blame for most of the damage, then homeowners and renters with policies should be able to breathe a bit easier. However, if the determination is flooding, then only those with special flood insurance policies will be able to collect.
"Most people never look at their insurance proclivities until something happens, and many insurance agents never explain to their homeowners what their insurance policy covers," said Massi.
Renters could also find themselves in a situation where whatever damage they incurred may not be covered. Building owners are not required to insure the contents of their tenants' apartments, according to Massi.
"Anybody that rents should always have contents insurance for purposes of protecting their goods and their personal property if something occurs where they are renting," he said.
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