You have all heard the old adage, April showers bring May flowers. It also brings something you might not have experienced but is definitely a concern.
Unexpected flowing or sitting water inside your home.
A Flooded basement, a failed sump pumps, a roof leak, or foundation seepage all things we could sure do without. Like a sponge the ground can only hold so much water, and when it is saturated it finds a place to go.
You don’t want to need the Mayflower to negotiate your basement!
If you are like me you think you have the proper insurance coverage. You pay your premiums and just expect your coverage is good enough.
On morning you wake to find water in your basement. You call your agent. You tell them you want to file a claim. The words “claim denied” are uttered. You are not covered for such a catastrophe.
Years ago, I learned the hard way. I was not covered. I make a point to check my policy and find out what is NOT covered. I am hoping this letter will help someone.
It can cost thousands, even tens of thousands to replace your baseboard and floor coverings. Not to mention all the things that cannot be replaced.
Please check with your insurance agent before it is too late. Many policies need special endorsements to cover sump pump failure or ground water backups. Ask your agent what your specific policy and endorsements are. AND READ your Policy!