When Is Your Basement Flood Covered by Insurance?
Basements are a very useful addition to a home, but because of their location, they can also be prone to a basement flood. If you have a basement, it is a good idea to be familiar with your insurance coverage, so that you know whether your damage will be covered if your basement floods.
Types of Damage Usually Covered by Homeowners Insurance
Homeowners or dwelling policies typically cover water damage that results from a sudden and accidental discharge of water. These are examples of sudden and accidental water discharges:
Ruptured water heater
Overflow from a bathtub or toilet
A sudden leak from a washing machine
If you have a washing machine in your basement and the supply line suddenly bursts, that is the type of damage that would usually be covered by homeowners or dwelling insurance.
Types of Damage Usually Not Covered by Homeowners Insurance
Homeowners and dwelling insurance typically does not cover basement flood damage that is not the result of a sudden and accidental event, such as damage that occurs due to poor maintenance. For example, if you fail to maintain your washing machine and it develops a chronic leak that causes damage to your basement, that would not be a sudden discharge of water and probably would not be covered. Additionally, homeowners and dwelling policies typically do not cover water damage from backup from an outside sewer or drain or a basement that is flooded by rising waters, saturated ground or storms. If you need coverage for flood damage from weather-related events, you may wish to purchase a separate flood policy.
A basement flood that results from sudden and accidental discharge of water may be covered by your homeowners or dwelling policy, while water damage from poor maintenance and weather-related flooding typically will not be. Water that is left standing can cause additional damage and mold, so if you have water in your basement, it may be wise to contact a water remediation specialist in Baton Rouge, LA, to dry out your basement.