insured

Although insured, Mr Reilly and Ms Thomas lost everything in the first flood so the property was empty when it was hit by last night's deluge.

Lauren Baird, 43, of Aberdeen, was being asked why her vehicle was not insured when she had a "moment of panic" and drove away.

As the authority was not insured for the attack, the difference had to be taken from its limited reserves.

Prosecutors allege that between 2016 and 2022, Alameda sent demand letters to insurance companies using city letterhead requesting reimbursement for accidents or property damage caused by insured drivers in La Cañada Flintridge.

Flood insurance must be purchased by home and business owners in high-risk areas with mortgages from federally regulated or insured lenders.