If you don’t like the weather in Chicago, wait a minute and it will change. That’s an understatement, isn’t it? But, all kidding aside, most people don’t realize that their homeowners insurance will cover weather-related flooding in my home if their basement floods during a storm.
But how can you prepare for flooding day by day?
- Ensure that water can flow freely outside your home.
- Snow and debris should be removed from fire hydrants.
- Ensure that items are stored on shelves rather than on the basement floor.
- If you see a flooded road, contact your local authorities.
- Keep your street’s storm sewer grates clear.
- Examine the plumbing and sump pump.
- Ensure that all cracks and crevices are sealed.
- Check that the floor drains are in good working order.
- Leaks in basement window wells should be investigated.
Request a recommendation from your insurance agent for a plumber or other contractors who can assist you if the unexpected occurs.
Will your insurance cover water damage if it floods due to bad weather? According to the Insurance Information Institute, water that comes from the top down (ice dams, for example) is generally covered, but water that comes from the bottom up, such as flooding, is not.
Sewer backup is typically covered, and if your home has a leaking roof, the roof is often not covered but damaged contents are, which is why it is critical to consult with your homeowners insurance specialist about the type of coverage you have and your concerns.