Flooded Basement Covered By Insurance

If you're a homeowner, you know that flooding is one of the most common and costly natural disasters. In fact, according to the Federal Emergency Management Agency (FEMA), floods cause more than $6 billion in damage each year in the United States.

If your basement floods, it's important to know whether or not your insurance policy will cover the damage. The good news is that most homeowners insurance policies do cover flood damage, but there are some important exceptions.

The first thing you need to do if your basement floods is to call your insurance company. They will send an adjuster out to assess the damage and determine whether or not it's covered by your policy.

In most cases, your insurance policy will cover the following types of flood damage:

Damage to the structure of your home, including the foundation, walls, and roof
Damage to your personal belongings, including furniture, appliances, and clothing
The cost of cleaning up the flood damage

However, there are some types of flood damage that are not covered by most homeowners insurance policies. These include:

Damage caused by sewer backup
Damage caused by groundwater seepage
Damage caused by flooding that is the result of a natural disaster, such as a hurricane or earthquake

If you're not sure whether or not your flood damage is covered by your insurance policy, it's important to contact your insurance company as soon as possible. They will be able to help you determine whether or not you're covered and what steps you need to take to file a claim.

Here are some tips for filing a flood damage claim:

Document the damage as thoroughly as possible. Take photos and videos of the damage, and keep a list of all the items that were damaged.
File your claim as soon as possible. The sooner you file your claim, the sooner you'll be able to get your home repaired.
Be prepared to provide your insurance company with documentation of the damage, such as photos, videos, and receipts.

Filing a flood damage claim can be a stressful process, but it's important to remember that you're not alone. Your insurance company is there to help you through the process and get your home back to normal as quickly as possible.