With summer's thunderstorms and tropical storms, this is an opportune time to think about basement flooding and ways to prevent it. It's not the only time, however.
The National Flood Insurance Program's website notes numerous potential causes of flooding that cover just about any time of the year, in just about any part of the country: spring snow melt and showers in the mountains, winter rains in the Northwest and elsewhere, autumn hurricanes on the Atlantic Coast.
So, check out these suggestions for preventing flooding and give your basement a good look. There's no time like the present to help ensure that it stays dry.
Finally, know what your home insurance covers and what it doesn’t cover when it comes to floods and water damage. Most homeowner policies cover damage caused by a sudden and accidental water event, such as a burst pipe. However, damage due to neglect, such as not cleaning out your gutters regularly, is generally not covered.
Further, your homeowners insurance likely does not cover flood damage, either to your home or belongings, so you may choose to purchase a separate flood policy. Talk to your independent insurance agent about what’s right for you.
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