Coverage for water damage depends on the situation and the source. If the water damage is sudden, accidental and came from inside your home, you’re typically protected by a standard homeowners policy. But, if the water damage was caused by flooding from the outside of your home or by a neglected repair, you won’t be […]
Floods can occur anywhere, with floodwaters rising gradually or flash floods striking suddenly. Flash floods are the number one weather-related killer in the United States — most flood fatalities happen because people try to drive through deadly waters rather than avoid them. (Source: Federal Emergency Management Agency, 2005) Water’s powerful force can easily overtake vehicles caught in […]
The top five deadliest floods in world history occurred when the Huang He (Yellow) River in China exceeded its banks. The yellow silt that provoked the river’s name can pile up higher than the land around it, causing the water to spill out of its causeway and onto the flat land surrounding it. Natural ice […]
Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you […]
Most of the country is in some kind of a flood zone, a designation that indicates the area’s risk of flooding – some are just more severe than others. So, what does that mean for you as a homeowner? It means you are at risk of flooding, even if it hasn’t happened in your area […]
Most standard homeowners policies provide protection from water damage if the cause is sudden and accidental. According to the Insurance Information Institute, you’ll likely be protected if, for instance, your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Homeowners insurance does not cover all […]
Sometimes there is no warning of flash floods, and that is why it is important to think of them and prepare for them before they happen. Here are a few things you can do. Before the floods… Know about your local relief centers and evacuation routes. Keep emergency numbers and important information handy, as well […]
Many people who experience a water loss never know what’s covered until it’s too late. Many are completely unaware that water damage losses are completely different than flood losses. There basically are two insurance policies that deal with a homeowner’s damage due to water — a flood insurance policy and a homeowners insurance policy. Losses […]