Hiring a Water Damage Restoration Company for Cleanup and Repairs

Basement flood insurance covers damages caused by water entering your basement from sources such as heavy rainfall, burst pipes, or sewer backups. However, it’s important to be aware of certain exclusions and limitations that may apply to your policy.

Water Damage Exclusions

• Outside Sump Discharge: Damage caused by water overflowing from a sump pump that discharges outside the insured property.
• Untested Sump Pumps: Damage resulting from a sump pump that has not been tested and certified within a specific timeframe.
• Burst Water Pipes and Sewer Backup: Coverage for burst water pipes and sewer backups may require separate endorsements or riders on your policy.

Can I Shower if My Basement is Flooded?

It is generally not recommended to shower if your basement is flooded. Water can damage electrical wiring, pose a risk of electrocution, and contribute to mold growth. If you need to use a bathroom, use one located on a higher floor or contact a professional to assess the situation.

Additional Considerations

The specific exclusions and limitations of your basement flood insurance policy will vary depending on the insurance company and the coverage you have purchased. It’s important to carefully review your policy and discuss any questions or concerns with your insurance agent.