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Make Sure Your Flood Insurance Can Hold Water

Is Your Flooded Basement Covered By Homeowners Insurance?

flood insuranceYou wake up one morning and discover that your basement has flooded overnight. As you stand at the bottom of the basement steps, you watch in horror as an old basketball floats past. A box of old CDs from college is under three feet of dirty water. Everything smells like a swamp.

Two questions immediately come to mind:

  1. How am I going to deal with this?
  2. Does my insurance cover it?

Unfortunately, answering the second question might be tougher than dealing with the first.

Flood damage in PA is unfortunately all too common. Just ask anyone who was living along the Delaware River between 2004 and 2006, or pretty much anyone who sustained water damage in NJ after living through Superstorm Sandy.

Sure, you may have homeowners insurance. But chances are that your home’s flood damage may not be covered.

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