TENNESSEE Published August 6, 2012 - Bill and Wanalynn Chapman may have lost everything they own after Sunday’s  torrential downpour that sent Dry Creek out over its banks and through their  entire neighborhood, including their home, barns and horse stables.

The couple owns WW Miniature Horse Farm, and on Monday the Chapmans mourned  the death and disappearance of more than a dozen animals that were swept away by  the swift water that flowed freely across their property.

The couple said they lost five dwarf horses, one mare, a gelding a stallion  and five goats. Another stallion and mare are missing along with one donkey.

“There were 15 mares in the back and they were huddled up on a high place,” she said. “They all made it but one and that’s the one we can’t find.”

Bill said around 2 a.m. the water started receding so he went to check the  horses. He found one stuck in mud up to its neck and dug it out.

“Dry Creek isn’t dry no more,” Bill Chapman said, a quiver in his voice as he  remembered the horror of being unable to save his horses.

Chapman was home alone when the downpour started late Sunday afternoon.  Before he knew what was happening, water began to surround the house and barns.

He was able to rescue one prize miniature stallion by taking it into his  house, but he was unable to rescue any others. As he led that one stallion  through the water, others in the herd were swimming in fear in the deep water.

“I was trapped inside and couldn’t get out. By 7 o’clock I was stuck. It was  four feet deep in the house. It looked like a raging river out here,” Chapman  said. His wife arrived home, but was unable to get through a swift moving  current of water across the driveway.

She sat there until around 2:30 a.m. before she was able to wade through the  water to her house. By that time, the couple discovered several horses and  donkeys missing while other animals were dead, including a group of goats.

“We lost all our fences. All the buildings, all the shelter for the animals,” Wanalynn Chapman said. Four hundred bales of hay in one of the remaining barns  is ruined and thousands of dollars worth of tools are just gone, Bill Chapman  said.

But none of that was as heart wrenching as losing their prized possessions — the animals.

The second kick in the gut for the Chapmans, and many others, is that their  homeowners insurance will not cover the losses because of the flood clause  included in policies.

Bill Chapman said his insurance agent with State Farm told him the damage  won’t be covered.

READ FULL STORY HERE: http://www.johnsoncitypress.com/News/article.php?id=101707#ixzz238r8BOOV

RESOURCE: Johnson City Press, Published August  6, 2012 By Becky  Campbell - Press Staff Writer

POSTNOTE: "It" can happen in a flash. In this case "it" was a flash flood. Our hearts go out to the Chapman family and hope that they will find the missing horses unacounted for presently. We will be glad to list them on NetPosse.com com for free for the family. If you know them or can get in touch with them, please do so for NetPosse.com. Thank you!