By: Edward L. Blais, JD, CIC
With the recent thunderstorms we’ve experienced over the
past few weeks, you may have noticed some minor street flooding. As we all anxiously await the arrival of fall,
Blais Insurance would like to make certain policyholders are aware that severe
storm conditions could lead to home flooding. Excessive rain has to go
somewhere, and poor drainage could force that water to seep into your home.
Homeowners’ insurance policies cover property damage that
results from a sudden discharge of water from a home plumbing system or
appliance. An example of this would be if a pipe burst in your home. However,
many people find out at the time of a loss that water damage resulting from
ground water seeping into a basement is never covered under this policy. As a
result, prevention becomes a proper focus where seepage is concerned. Moreover,
damage from flooding is only covered under a separate flood insurance policy
when a qualified flood event occurs. With the possibility of more rainstorms
still ahead of us, homeowners in high-risk flood areas are no longer the only
ones who require flood insurance.
Blais Insurance offers premium flood insurance coverage at
affordable rates through the National Flood Insurance Program. As a reminder, there
is typically a 30-day waiting period from when the coverage is purchased to
when it goes into effect. At Blais Insurance, our business is protecting what
matters to you, and our experience will help you make certain that you are
fully protected. As a local, independent agency, we can personally visit your
home or business to assess need and we can help you understand local laws.
