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Flood Damage And Insurance Claims

As recently as 2007, flooding in Minnesota washed away roads, bridges, and killed at least five people, the result of more than a foot of rain falling within a matter of a couple of days.  Minnesota also saw additional flood events in the spring of 2010.  It’s a grim reminder that all it takes is a little more rainfall than normal within a given time for there to be enormous damage to life and property.

Of course rainfall isn’t the only culprit when you talk about emergency water damage.  Backed up sewers, burst pipes, even something as innocuous as somebody leaving the water running when filling a tub or sink, and before you know it, you’ve got a major problem on your hands.

Water damage is one of the most common reasons that people make claims on their home insurance.  Unfortunately, it is also the time when they discover the sad truth about what their policy does and does not cover.

For example, sewer backups are not covered; you will need to specifically ad coverage for such a problem.  Likewise, seepage into your structure from excess water on your lawn is not covered, as it is considered a maintenance problem, not any sort of sudden disaster.

Flood damage is also not covered by normal homeowners insurance.  If your community participates in the National Flood Insurance Program, you can add additional coverage to take care of such a disaster.

Your best bet is to talk to your insurance provider and verify what is and is not covered when it comes to any sort of water damage.  You may also want to contact your local emergency water damage professionals and get their advice.  These Clean Trust certified companies offer a wide range of services to take care of your home repair needs, as well as working with your insurance provider or claims adjuster to determine what is and is not covered.

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