My mother and I have long rented from a storage unit in Longmont, Colorado. The storage unit's management never told us they were in a flood zone and actually told us that they are not liable for flood because they are not in a flood zone. We never purchased flood insurance because we didn't think they were in a flood zone. Come to find out, they are in a flood zone and we lost everything. I am upset that they are in a flood zone and never notified us and actually to the contrary, they told us they that they were not. Can I do anything to get compensation for my lost items?
Contracts / Agreements Lawyer
The first place to look for the answer to your question is whatever the written terms of the storage agreement are. If you don't have that anymore, see if you can get a copy from the storage company. It would probably also help to talk to a lawyer once you get a copy of the agreement.
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Mr. Bailey is correct. Look at the contract with the storage unit. Oftentimes, they will have language in them that exempts them from acts of God such as floods and they require you to get your own insurance to cover the items in the storage unit. That has been the HUGE problem with the recent floods. Most insurance companies did not even offer the OPTION of purchasing flood insurance because they did not think that CO was in a flood zone like New Orleans and the East Coast, due to our high elevation.
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