Homeowners insurance and Basement Flooding

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Whether you have ever experienced the unfortunate incidence of having your basement flood or not, there are undoubtedly some facts about homeowners insurance that you need to know about. Most homeowners insurance policies do not cover you for your basement flooding. Most homeowner's policies do not come with any type of basement flooding insurance, unless it was caused from a busted or burst water line. There commonly is a separate rider that is ready for most consumers that you can have added to your homeowners insurance that will cover some basement flooding and this commonly ranges in any place from 150-200 extra per year for this coverage (money well spent if you ever have the unfortunate luck to have to feel a flooded basement). However, even with this extra coverage it commonly only covers flooding that is due to a sewer backup. If your flooding is the corollary of cracks in your foundation, water advent in through your windows, or advent in through your walls, then chances are that it will not be covered. Most insurance policies nationwide work this way. There is flood insurance that some homeowners are required to collect if their home is deemed to be in a flood zone as carefully by Fema. This insurance is extremely high-priced and commonly covers more than primary homeowners insurance and more than the homeowners insurance rider that you can add to your procedure for flooding.

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How is Homeowners insurance and Basement Flooding

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If you ever have to feel a flooded basement here are some quick tips for insurance purposes. Act quickly, get your camera and take pictures in case you need them for a homeowner's insurance claim. Take pictures of all things that is damaged, and the level of the water. This way you will have proof of all things that took place. You can even think videotaping the damage and the flooded basement as well to insure that you have sufficient documentation in case whatever comes into examine with your claim. At this point feel your homeowners insurance agent and tell them about what is going on and what has happened. They will be able to direct you to the approved estimate to begin your claim or get all things started themselves.

Quick Basement Tips:

* Have a working sump pump in your basement

* Have a battery operated backup, in case of failure or power loss

* Make sure your yard drains away from your home

* Have your basement walls waterproofed

* Add rocks and drain prominent away from the house in the base of any window wells you have around basement windows

* Check your basement periodically while heavy rains, big storms, or extended periods of rain

* Check your basement walls at least once every year to look over the buildings to insure all things looks good and there are no cracks in the walls

* If inherent have a sump pump with a separate drain covering of your home

* Look into your current homeowner's insurance procedure to see what is covered, what is not and what your options are for extra coverage

Remember if your basement has flooded, then chances are that others in your area are going through the same thing. The sooner you act, the better, and the quicker that your claim can be processed and taken care of. If you do not have the extra rider added on to your homeowners insurance procedure for flooding and you have a done basement you may want to seriously think the procedure rider. It may be well worth it. feel your insurance agent soon to discuss exactly what is covered and what is not covered in terms of basement flooding and be proactive in this situation just in case you ever have to go through this. Trust me it is not fun, especially when you discover it is not covered.

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