Spring has sprung! It is a sign of regrowth and the hopeful warmer temperatures, but with a new season comes new risks. Even with Spring preparation, the melting snow and heavy rains can cause uncontrolled amounts of water that can lead to flooding. The first thing to know is the difference between water back up and flooding.
Standard homeowners policies exclude water damage caused by flooding. Flooding is defined by the National Flood Insurance Program (NFIP) as a “general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties.” This can be caused by an overflow of rivers or lakes, melting snow, or excessive rainfall. It occurs when water enters your home through windows, doors, or the foundation.
Flood coverage can be purchased separately through the National Flood Insurance Program (NFIP).
Things to know:
Many of our insurance companies offer supplemental coverages to make sure you are properly covered when April showers bring more than just May flowers. Water back up occurs when water outside of your plumbing system enters through sewers and drains, which enters into and overflows from within a sump pump, well, or a system designed to remove subsurface water.
Prevention of water damage in your home:
Some of our carriers offer optional Inland Flood Coverage on the current homeowner's policy. This coverage is designed for the policyholder in low-to-moderate flood zones. An Inland Flood is caused when:
What does Inland Flood cover?
If you have concerns about water back up and flood damage, contact your insurance advisor today to verify that you have the proper coverage. Do not let flooding define your spring-cleaning this season.