May 14 2010
Flooded Basement Problems and Water Claim Questions
There have been a lot of questions on what insurance companies cover and policy limitations on flooded basement. Several calls have been recieved from the Grand Rapids, Saginaw, Bay City areas in regards to water damge in their basements. Most home insurance policies have endorsements that limit the amount of recovery due to water backup. When the damage occurs from a broken pipe, the actual dwelling limit on the policy is in full affect. You should always contact your agent to be aware of the policy language and limitations on your policy.
One response so far
Flooded Basement Repair
Nearly every homeowner will experience some form of water damage, and if you have a basement, it’s pretty much a guarantee. In fact, studies have concluded that 98% of all basements will suffer from some form of water damage at some point in their existence. A Flooded Basement may be caused by any number of issues, cracks in the foundation, inadequate drainage, broken seals around windows, burst pipes, but whatever the case Flooded Basement cleanup is somewhat of an exact science.
To clean a Flooded Basement, you’ll need to determine where the water is coming from and either plug it or shut it off, or do whatever it takes to stop it. Cleaning up will do little good if more comes in to replace it.
Shut off all electricity to your basement. You don’t want to be standing on Flooded Basement carpet in six inches of water when the power comes back on. Trust me.