Does anyone else feel that the rains have simply not quit since last spring? It rained pretty much non-stop last year and it seems to have just continued in 2019. I almost feel like I’ll be seeing Noah and his ark floating by shortly. This brings me to the topic of this blog post – wet basements. I want to make sure you see this…..
Depending on the insurance company you are with, you MAY NOT HAVE COVERAGE IF YOU GET WATER IN YOUR BASEMENT. If you are with our agency, we will always always always recommend that you buy the extra coverage that is needed to guard against water damage in your home. The extra coverage I’m talking about is the Sewer and Drain Back-Up coverage. If you have water damage from a sewer line or drain line that backs up into your home due to too much water, or you have a sump pump that fails, resulting in water damage to your basement, this coverage will protect you. Let me say this again – it is EXTRA coverage that comes with an extra cost. Despite it being an extra fee to add it to your homeowner’s policy, it is definitely worth it for the peace of mind.
So, what happens if it rains and rains and rains (as it has been) and the surface water leaks into your basement? Not through a drain. Not through a sewer line. Your sump pump is working just fine. But the water has no where to go when the ground is so saturated, and it just leaks through your walls. This is considered flooding, and that flood coverage requires a separate policy that has to be purchased through the National Flood Insurance Program, or the NFIP. We can always offer you a quote through the NFIP if this type of flooding is where your concern lies.
Call us at 717-755-2335 or email us at staff@aadvantageinsurance.com if you have questions or want more information. Looking for a homeowner’s insurance quote? Click here!
