CALL US TODAY
(800) 807-6871
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

Read More
Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

Read More

Most people believe that their personal belongings are covered under their homeowners policy in any situation.  Often, it is only when a loss occurs, that they find out differently.  And, when they do, they are understandably upset.  If you have a basement, you need to read this article from Fidelity Insurance.     

Seepage-Yes!
Many homes may experience seepage into their basements after a season of snow or rain with ground saturation even though flood waters themselves did not enter the home. Damage caused by seepage, sewer backup, and hydrostatic pressure is covered by the Standard Flood Insurance Policy:

Many homes may experience seepage into their basements after a season of snow or rain with ground saturation even though flood waters themselves did not enter the home. Damage caused by seepage, sewer backup, and hydrostatic pressure is covered by the Standard Flood Insurance Policy:
  • when there is a flood in an area,
  • when a flood is the cause of the seepage, sewer backup and hydrostatic pressure
  • when the basement meets the minimum standards of the NFIP

.A flood is defined as a general or temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties (at least one of which is your property). A street may be considered a property when homes are not located within a reasonable distance from each other.

Basements:
A basement is any area of a building having its floor below ground level on ALL sides. Flood insurance coverage is limited in basements. Damage in a basement may not be covered by flood insurance if it does not comply with the minimum standards of the National Flood Insurance Program.

A basement is any area of a building having its floor below ground level on ALL sides. Flood insurance coverage is limited in basements. Damage in a basement may not be covered by flood insurance if it does not comply with the minimum standards of the National Flood Insurance Program.

Basements-Yes!
In a basement, building property coverage includes some mechanical items necessary for running the house such as a boiler, furnace, or water heater, and also items such as unfinished drywall for walls and ceilings, floor, nonflammable insulation, stairways and staircases attached to the building and clean-up. Personal property is a separate coverage from the building property coverage. In a basement, coverage includes air conditioning units, portable or window type, clothes washers and dryers, food freezers, other than walk in, and the food in any freezer.

In a basement, coverage includes some mechanical items necessary for running the house such as a boiler, furnace, or water heater, and also items such as unfinished drywall for walls and ceilings, floor, nonflammable insulation, stairways and staircases attached to the building and clean-up. is a separate coverage from the building property coverage. In a basement, coverage includes air conditioning units, portable or window type, clothes washers and dryers, food freezers, other than walk in, and the food in any freezer.

What is not Covered:
Other personal items such as couches, chairs, televisions, carpet, beds and other items not listed above are NOT covered in a basement.  

During this stormy weather make sure you are protected!  Contact us to go over your insurance plan today!  (800) 807-6871   

Posted 5:38 PM  View Comments

Share |


1 Comments

kate said...
Great Post...I absolutely like that..
Really the best most wonderfullest :)
Further I would like to add about water damage local, Research shows that almost 100% of all basements will suffer some form of basement flooding at some point in their existence. “Almost 100%” translates into “it’s certain”. It makes sense, too, because basements are the single lowest location in any structure, and excess water is always going to flow downhill. Put the two together and you have an unwelcome flooded basement.
TUESDAY, AUGUST 30 2011 10:26 AM

Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Facebook
RSS
Pinterest
Google+
© Copyright. All rights reserved.
Powered by Insurance Website Builder