With hurricane season coming upon us, it would be a wise choice to review your homeowner insurance. Flood coverage is not provided in your standard home owners insurance policy. Most people think, I don’t live near a body of water I don’t need it. But if water backs up or overflows from a sewer, drain or sump in to your home, guess what, it’s not covered.
“Standard homeowners policies cover structural and water damage when wind or a falling tree knocks a hole in a roof, or breaks a window, allowing rain to fall inside,” the Associated Press reports. “But there's generally no coverage for the home itself, or for personal belongings, when damage results from rising water. That includes water that seeps up from saturated ground through a basement floor, and homes near beaches flooded by storm surges.”
The take away, talk to your insurance company and understand the coverage you are paying for so you’re not left fixing something you thought would be paid for by insurance.
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