Water Damage: Are You Protected?

PROTECT YOUR BUSINESS DON'T GET LEFT ON THE HOOK.
WATER DAMAGE: ARE YOU PROTECTED?
There are few things more frustrating for a homeowner
than a flooded basement. It can happen all too easily
and, often, without warning.

To make sure you’re protected, here are a few things to consider when it comes to home insurance coverage:

  • Water damage in a basement due to a sewer backup is only covered if specific sewer backup coverage has been purchased and can be subject to certain conditions.
  • Most home/tenant policies cover costs associated with additional living expenses should you be unable to return home due to insurable damage.
  • Keep a photo of video inventory of the personal materials should you ever be affected by water damage. Make sure you store this information offsite, and keep it updated on a regular basis. For more tips and tools for keeping an up-to-date inventory, click here.
  • Sudden and accidental bursting of plumbing pipes and appliances is covered by all residental policies. However, damage may not be covered when freezing causes the escape of water.
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