How Do You Deal With Flooding Damage In The Basement And Insurance Claims?

An extensive network of pipes in the drainage system handles sewage and storm runoff together in New York. However, excess rain and the double amount of untreated sewage can create havoc, causing wastewater to back up in the residential and commercial basements. Other sources of basement flooding in a New York home can be plumbing defects, failed drainage system, poor weatherproofing, blocked gutters, sump pump failure, etc. Whatever the cause, finding your basement flooded with water can be more than a nightmare. Everyone already knows these events come with health and structural damage risks. Hence, it’s better to reduce damage and ensure everyone’s safety. For this, the property must be repaired and restored. Do you worry about the cost?

A flooded basement needs immediate attention. Turn off the electricity in the area and wait for the professional restoration experts to arrive. They will come with pumps and other necessary tools for remediation. Until they reach your place, you can increase ventilation in the basement and wait for them to guide you about a flooded basement insurance claim. Let’s understand what insurers generally cover or exclude in these cases.

Insurance Coverage For Flooding In The Basement

Most home insurance policies can cover the cost of basement flooding involving overflowing toilets, leaking appliances, and burst pipes. However, the damage caused by water backup due to sump pump failure during heavy rain may be covered if you have an add-on. If your basement is submerged due to water seepage from the walls or outside, you may have to think of other solutions to relieve your financial burden. Here is a look at what an insurance policy may cover.

Water Damage Due To Fire

Firefighting includes using water to extinguish fire, which can also cause water damage to the house and personal possessions. Fortunately, insurers pay for these scenarios.

Overflowing Plumbing

You can claim insurance money if your sink, tub, toilet, washing machine, fridge, AC, water heater, or other appliance overflows and floods your basement. Remember, leaks and overflows are distinct.

Burst Pipes

Your home insurance can compensate for the water damage caused by the pipe bursts. However, you may not get anything for the damaged pipe.

A Few Points To Note

Home insurance doesn’t cover flooding in the basement caused by widespread floods and surface water. In that case, you require flood insurance to claim the amount. Even basement flooding triggered by water seepage from underground may not be included in the policy. How do you navigate this complex situation and recover the damage? Check zicklincontracting.com for guidance. Restoration contractors can explain what your policy would cover or not cover. They will examine the home systems to determine the source of the trouble. Insurance companies look for an excuse to deny claims. If you add any such item that falls outside the scope of your policy, they will reject your compensation request.

Expert contractors understand all the intricacies very well. They will collect evidence of the damage before cleaning and restoring the space to show an accurate picture. They will list all the items and other details to help you file your claim successfully.