Catastrophe! What do you do when you lose it all?
A few months ago a crazy ice storm ripped through my State and left 600,000 powerless for weeks. About 4 months earlier a brutal wind storm knocked out power here for a week and a half. Unless you had some kind of generator your reef was toast.
I am wondering whether or not you could claim the loss through homeowners insurance? I ask because even though we're the 17th largest city in the nation, we seem to be prone to catastrophic damage to our power grid. It is a concern if I'm going to spend a substantial portion of income on a hobby only to watch it die after a storm.