The dictionary defines "flood" as a rising and overflowing of a body of water onto normally dry land. It is the most common natural disaster worldwide and causes 90 percent of property damage in the US, according to the United Nations International Strategy for Disaster Reduction. For insurance purposes, the word "rising" is the key to distinguishing flood damage from water damage.
Is your property prepared for flooding? Here are some tips:
Contact your public works, utilities or building department, or municipal government and request a list of contractors who have been pre-approved to complete work related to basement flooding. Every home/property is unique! A detailed plumbing investigation should be completed to help you understand the risk of flooding in your home.
Sewage removal: What type of sewer connections is your home/property equipped with? Some homes may only have a sanitary sewer lateral, while other properties have a sanitary sewer lateral and a storm sewer lateral... Becoming knowledgeable about your home's systems can help you understand the specific routes infiltration and inflow can take, as well as ensuring that they are legally connected.
Talk to your insurance provider about what types of flood damages are covered by your policy. Common types include overland, sewer backup, and infiltration. There have been cases where homeowners have repeatedly made claims for sewage removal/backup damage and have experienced a cap of their eligible sewer backup payouts, or even cancellation of sewer backup coverage, altogether.
More Info? Check out our Healthy Home and Business Tips for knowledge that will help reduce certain types of flooding, and help you take the best course of action!