What the Flood of 2017 Taught us

Southern Illinois was hit with rainfall has high as 11 inches in some areas, over a span of two days. That caused major flooding in the region. Several people were evacuated from their homes by boat in Johnston City, Illinois. Flooding impacted both homeowners and renters. Many of those people who contacted their insurance companies because of damage were shocked when they learned that flooding was NOT COVERED. If you are also surprised that flooding is not covered, it is time to see what water damage IS covered by insurance.

Water damage does not always come from flooding caused by the weather.  There are many small events that can cause water damage.

  • Toilet overflow
  • Dishwasher leaking
  • Broken hose on a washing machine

If you have water damage because you skipped doing maintenance, you may be on the hook for the bill. If you knew about a leak but didn’t get around to fixing it, your insurance may not cover it. Most insurance providers won’t pay for the source of the water damage.  If your broken washing machine caused the problem, your insurance should pay for tearing out and replacing the damaged floor, but not the washing machine.  Are you covered if the sewer backs up into your basement, probably not? If you speak with your agent, there may be something they can do to help you by adding to your policy.

Now is the time to talk with your insurance agent. Your agent will find a policy that best covers you while staying within your budget. Your agent should be able to give you tips on preventing damage too. Here are just a few tips:

  • Inspect all water hoses in and around your home. This includes the ice maker on your refrigerator. Many hoses for your washing machine and water heater need to be replaced every couple of years.
  • While moving a refrigerator, or washing machine, even if it’s just a little bit, check the hose to ensure that it is still properly attached.
  • During the winter, it is common to have frozen water pipes if your home is not properly maintained. You can easily prevent this by insulating the pipes and by also keeping a warm temperature in the home.

Call your insurance agent today to learn about your coverage. You may find that you need to make changes to your policy. Explain your situation to your agent and what concerns you have. Remember, your agent is your friend. They are there to help you.

Flood Insurance – Overlooked but Necessary

flood insurance coverage, marion, harrisburgAcross the nation, people are faced with disasters as a result of everything from snowstorms and thunderstorms, to hurricanes and tornadoes. They strike many areas annually, and virtually every natural weather event has its own unique set of characteristics. But the one thing they all share in common is their potential to bring significant amounts of rainfall, something that all homeowners need to be prepared for.

The Federal Emergency Management Agency (FEMA) and the National Weather Service formed an annual campaign known as National Flood Safety Awareness Week. During this week, safety officials throughout the country set out to inform residents about the various potential damages that can result from large amounts of water brought on by melting snow, heavy rain or poor drainage.

This campaign offered many insights by providing consumers with safety tips, as well as measures they could take to avoid the consequences that often following flooding. Obviously carrying proper amounts of flood insurance can be very helpful.

It is important to know the limits

Each year, thousands of people lose their home and their belongings to damage associated with water. From floods that were caused by rainwater washing away your home to a simple leak in your hot water heater that led to mold issues, you need to make sure you have coverage in place to protect your home or business.

If you want your home to be as protected as it possibly can be, you will need to invest in supplemental insurance to protect it from water damage. There are a variety of different types of flood insurance that you should consider taking a look at, but be sure to determine which one is right for you before you invest in a particular plan. Also, even if you think that there is no possible way that you could lose your house to water damage, think again. Just because the root cause of the destruction of your house was not caused by water, there could be some kind of water involved in some way or another (rain during a hurricane for example) and an insurance company could deny compensation if you didn’t have proper coverage.

Certain areas are certainly more prone to flooding than others, but a flood can strike anywhere at anytime. Don’t wait for a time when a disaster is imminent, since it will likely be too late to be covered by the insurance.

There are lessons to be learned from Hurricane Katrina and Super storm Sandy. Having coverage in place allows for repairs and rebuilding that won’t result in financial ruin. Schedule a call with one of our independent agents for more information about how to ensure you have the proper flood coverage.