Hey, wait. What’s that smell? And why is yard covered in muck? You may have a sewer backup problem, and it could cost you hundreds if not thousands of dollars to fix. Great. Sewer backups are something that many people never see coming, so a lot of homeowners skip on sewer backup coverage. Or worse, they don’t know that they can get it. If you’re one of these homeowners, here’s a rundown of what sewer backup insurance is and how it can be a lifesaver if you own a home.
With summer here, your thoughts might be focused on vacation, time off work, and fun in the sun. But there’s something else that we should all put some effort into – preventing storm damage from summer thunderstorms. Strong winds and heavy rains can wreak havoc on your house, but you can outsmart Mother Nature with the following tips.
It’s every homeowner’s worst nightmare: the basement is underwater. Something has gone horribly, horribly wrong, and now you have a swimming pool inside your house. Well, you always wanted a swimming pool, but this isn’t quite what you had in mind. Anyways, now you have a question: what types of water damage are covered by home insurance?
Let’s find out what kind of water damage your home insurance protects you from.
Hey, that’s weird…why’s it raining inside? Unless this is some sort of elaborate practical joke, you’re pretty sure that there shouldn’t be a puddle in the middle of the living room floor. Or water dripping onto your head. Anyways, there’s water where it shouldn’t be and you think a roof leak is to blame. Now the burning question (or soggy question) is does home insurance cover roof leak claims? And how can you tell if your roof is actually leaking? (Not all leaks are caused by a roof problem.) Well, we’ve got the answer to those questions, coming right up.
For the past 22 years, I’ve run Steamatic, a company that specializes in “insurance loss,” which is the clean up, rebuilding & remediation that happens after water damage, sewer back up, fires and mold. During that time, I have noticed certain situations that could be prevented by maintenance.
It is importance to first understand how much damage and how quickly the damage will intensify when water enters your home. Here are some things to remember:
- The longer something is wet, the more damage that will occur
- Wet carpet (and in particular the padding underneath) will spread the water to new, unaffected areas
- As water travels from room to room, the walls can start to soak up the water, thus adding to your damage
- This is a major issue that can be prevented by acting quickly.
- “Secondary damage” is when there is so much water (and humidity) that other areas of your home are affected even though they did not get wet