What Causes Flooding and Will my Homeowners Insurance Cover Flood Damage?
- Mark Jones
- May 3, 2017
- 1 min read
Other than fire, there is nothing more destructive to your home than water damage. If you live in New England, spring thaw and other types of extreme weather can cause major flooding. Is your home protected?
What causes flooding?
Large amounts of moving water can occur any time there are extreme weather conditions.
Sometimes floods develop slowly and allow homeowners time to react. The common type of flood occurs when streams or rivers overflow their banks. Another type of flood is caused after a heavy rain or sudden snowmelt.
Flash floods. Named appropriately, flash floods can happen in minutes after a heavy rainfall.
Hurricanes. If you live along coastal New England, you are very familiar with tropical storms. A hurricane creates storm surges along coastal areas and can cause flooding several hundred miles inland.
Sewer damage can be caused by floods, a blockage in a city sanitary main, or tree roots causing cracks in a sewer line.
Does homeowner's insurance cover water damage?
Most standard homeowner's insurance policies do not cover flooding caused by extreme weather conditions such as spring thaw or generalized flooding that originates from outside your home.
Even backed-up sewers aren't covered on most policies unless you pay extra for this coverage.
Hey everyone,
I recently had a water pipe burst in my basement and now I'm looking for a trusted water damage restoration service in Toledo, Ohio. I've seen a few listings, but it's hard to know which companies actually deliver quality work.
While I'm at it, I also need tile and grout cleaning in Toledo — figured it’s the perfect time to get the whole area cleaned up properly.
Has anyone here had good experiences with water damage cleanup or tile and grout cleaning in Toledo, Ohio? Any recommendations for companies that are responsive and fairly priced?
I came across one service provider that seems to offer both, but I'd love to hear real feedback or suggestions before I commit.
Thanks in…