Flooded Basement: Are you Covered?

After rising temperatures cause a major snow melt or a heavy rain shower you discover that your basement is full of water, but your Homeowners Insurance Policy will cover the damages right? Unfortunately, in many cases the answer is not necessarily and the average loss to an unfinished basement is $10,000.

The reason is that the water may have infiltrated your house via a sewer backup and not from penetrating the foundation of your home. Water or sewage that originates from overflows or blocked drains are typically excluded from standard Homeowners Insurance Policies meaning you could be responsible for paying for the expensive cleanup and repairs.

Coverage for water and sewer backup can be easily obtained by purchasing either a separate coverage or adding it to your existing Homeowners Policy for a relatively inexpensive premium.

If you are unsure whether you are covered in the event of a water or sewer backup please feel free to contact us and someone in our Personal Lines Department will be happy to look at your existing coverage to make sure you have the protection you need.

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