Dec 14, 2015
Floods are the most devastating natural disaster in the United States each year causing billions in losses and displacing thousands. While flooding is a common concern for those near rivers and streams, all homes in the United States can be caught off-guard by floods. When it comes to flood insurance, it is important to understand what flood insurance is and what is covered. Many people think flood insurance is anything to do with water in their home. This is far from the truth. Floods are defined as surface water that enters your home from the outside – not to be confused with a leaky roof or a broken pipe, loose toilet or other plumbing related issue. Another issue altogether is sewer backup with may or may not be covered depending on what caused it to occur.
Let’s take a closer look at these policies:
Flood Insurance: Flood insurance covers your property and contents from damages that occur when water from outside the home enters the home. Beit a heavy rainstorm, a clogged drain in the street or even a hurricane that causes a tidal surge that backs up streams and rivers.
Water & Sewer Backup Coverage: Sewage backup insurance is not included with a standard homeowner’s insurance policy. Sewage backup occurs for many reasons, but ultimately, what is happening is there is a blockage that causes water to reverse course and push up into your sinks, bathtubs or other outlets. This can be a smelly, filthy event and one you want to be sure to discuss with your agent. Believe it or not, this is a somewhat common occurrence.
We understand insurance is confusing, so if you still have questions, feel free to call one of our licensed agents and ask to speak about flood or sewage backup coverage.
If you have questions about your home, auto or commercial insurance, call the insurance agents at Secord Agency in Seattle, WA. They’re right on NE 45th right in the middle of the neighborhoods of Wallingford, Green Lake, Phinney Ridge, Fremont and the University District. They have years of insurance experience and can help you insure everything from your home to your auto or business Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.
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