I live in Kingwood about 6 miles NE of the big airport. Don,t think any flood warnings are out for Galveston or Texas City from storm surge.If we have 10 inches of rain we will have some stream flooding in Harris and Brazoria County. Harris is the most flood prone county in the US. Allison in 2003 had over 20 inchs of rain and it was the most costly flood in Insurance history. Something like 80,000 homes and several thousand basements of buildings downtown and in the Texas Medical Center. It was a small tropical storm like this that passed over Houston and then backed up and really flooded the area on a Friday night.

My first big hurricane was Carla in 61. I was a staff adjuster for Firemans Fund and I remember moses lake in Texas City backed up and some frame houses had seven feet of salt water inside with all the stinking muck and no flood insurance. It was so depressing we could only work 1/2  day in TC and then go to Houston and pay lots of roof claims.

Well we may never know the real truth as to which came first the wind or the water, or what caused the slab cases as the truth and justice seekers have been de frocked.

This will happen many more times. Lots of talk about experience on high dollar high rise buildings and grey hair  (E&G). The insurance industry should try to head of the MS. coast problem with some new thinking along these lines. Gather up all the E&G's and do all the vetting, new training, new thinking and set them aside to work the "Wave Wash" losses and give them all the tools they need to close ever wave wash loss...using "the best practice method" in 30 days. Then all insurance professional can be proud of their profession and the carriers will be thought more kindly of.

Just remember carriers we are the bad guys and Edwards and Scruggs were the good guys two years ago.