Is it different, insurance wise, if you get water in your house because the sump pump fails versus just plain ole flooding? Is having coverage due to the pump failing typical or something that you have to ask to have added to your policy? TIA.

Is it different, insurance wise, if you get water in your house because the sump pump fails versus just plain ole flooding? Is having coverage due to the pump failing typical or something that you have to ask to have added to your policy? TIA.

I could be wrong, but flood insurance being a requirement for home ownership, depends on whether or not you live on a flood plane. CIP; Piney Point. I used to live across from the Midshipman School; and was told flood insurance was required.

Is it different, insurance wise, if you get water in your house because the sump pump fails versus just plain ole flooding? Is having coverage due to the pump failing typical or something that you have to ask to have added to your policy? TIA.

Basement Sump Pumps: Why Does the Homeowner's Plan Not Cover It? - Associated Content from Yahoo! - associatedcontent.com (http://www.associatedcontent.com/article/57498/basement_sump_pumps_why_does_the_homeowners.html?cat=15)

Understanding Insurance - Flood Insurance: What You Should Know (http://www.progressive.com/understanding-insurance/entries/2009/8/27/flood_insurance__wh.aspx)

Above is a link to what is true flood insurance. This is not the same type of flooding as a sump pump type event.

Standard homeowners, renters, and condo policies do not cover water damage due to the failure of a sump pump. However, some insurers offer endorsements for sump pump failures. Some of these endorsements still exclude coverage if failure is due to a flood. Always read your policy

As a disclaimer, I am not an insurance professional and calling your insurance rep is the best source to see what coverage has been purchased.

The pump stopped due to power outage. Would that make a difference?

The pump stopped due to power outage. Would that make a difference?

Everything I'm reading indicates it doesn't seem to matter why it failed... a failure is a failure and the homeowner is responsible for a back-up to prevent failure and/or additional premiums/coverage if they want to be covered for failure. This goes for sewage back-up as well as ground flooding...

Will Homeowner's Insurance Cover Sump Pump Failure? | eHow.com (http://www.ehow.com/info_8060966_homeowners-cover-sump-pump-failure.html)

Thanks for all ther info. I guess my MIL maybe ass out :( I will tell her to double check with her agent though.

Is it different, insurance wise, if you get water in your house because the sump pump fails versus just plain ole flooding? Is having coverage due to the pump failing typical or something that you have to ask to have added to your policy? TIA.

Sump pumps have nothing to do with water getting into your house, They only get it out after it gets in.

Everything I'm reading indicates it doesn't seem to matter why it failed... a failure is a failure and the homeowner is responsible for a back-up to prevent failure and/or additional premiums/coverage if they want to be covered for failure. This goes for sewage back-up as well as ground flooding...

Will Homeowner's Insurance Cover Sump Pump Failure? | eHow.com (http://www.ehow.com/info_8060966_homeowners-cover-sump-pump-failure.html)

There is an endorsment you can add to your H/O policy called back up of sewer and drains. It is roughly $75-$100 a year additional to your policy.

There is an endorsment you can add to your H/O policy called back up of sewer and drains. It is roughly $75-$100 a year additional to your policy.

And only covers any damage if it is not a weather event or by an act of God or it is a full moon or the earth moved or your car need washing. :sarcasm:
Sorry I am a little peeved right now about Homeowners Insurance.

And only covers any damage if it is not a weather event or by an act of God or it is a full moon or the earth moved or your car need washing. :sarcasm:
Sorry I am a little peeved right now about Homeowners Insurance.

:huggy:


Sorry to hear that. If you have any questions feel free to pm me I can try and offer my assistance :love:

And only covers any damage if it is not a weather event or by an act of God or it is a full moon or the earth moved or your car need washing. :sarcasm:
Sorry I am a little peeved right now about Homeowners Insurance.

Write a letter to Obama and Pelosi, they are ALWAYS looking for another bad guy to blame and another industry to take over.


I'd love to see an Obama v Mayhem MMA throwdown..

If you don't have flood insurance but want to ensure you're covered, tell your insurance broker your sump pump failed prior to power going off. :smile:

:huggy:


Sorry to hear that. If you have any questions feel free to pm me I can try and offer my assistance :love:

Thanks for the offer :huggy: I am just a little peeved. I pay a crap load of money for everything that can be covered only to find out last year when the policy was renewed they slipped in the little hurricane rider. It's my own fault for not reading it and noticing it. I only looked at the payment amount. So my normal deductible went from 250 to 7,100. If my 10 trees had been uprooted during a thunderstorm I would have been covered, but not if it happens during a hurricane. Just frustrating.

Thanks for the offer :huggy: I am just a little peeved. I pay a crap load of money for everything that can be covered only to find out last year when the policy was renewed they slipped in the little hurricane rider. It's my own fault for not reading it and noticing it. I only looked at the payment amount. So my normal deductible went from 250 to 7,100. If my 10 trees had been uprooted during a thunderstorm I would have been covered, but not if it happens during a hurricane. Just frustrating.

Need help removing trees??

If my 10 trees had been uprooted during a thunderstorm I would have been covered, but not if it happens during a hurricane. Just frustrating.
Depending on the storm's fury (tropical storm vs hurricane), it might help a few people who have "named storm" clauses. If you live in an area where you were under a tropical storm, I'd think this would be an "out" for the homeowner since they were not directly in the hurricane's path. I could be wrong, but at least it is an argument (for some).

Thanks for the offer :huggy: I am just a little peeved. I pay a crap load of money for everything that can be covered only to find out last year when the policy was renewed they slipped in the little hurricane rider. It's my own fault for not reading it and noticing it. I only looked at the payment amount. So my normal deductible went from 250 to 7,100. If my 10 trees had been uprooted during a thunderstorm I would have been covered, but not if it happens during a hurricane. Just frustrating.We will help you get the trees down. :yay:




:huggy:

Need help removing trees??

Thanks for the offer. :huggy: We usually take care of stuff like this ourselves but this time the trees are all massive and too big for us to handle. Some rootballs are over 20 ft high. We have already contracted for someone to come in with heavy equipment to cut and remove. They will also be filling in all the holes with top soil. :yahoo:

If you don't have flood insurance but want to ensure you're covered, tell your insurance broker your sump pump failed prior to power going off. :smile:
That doesnt always work unfortunately.
Thanks for the offer :huggy: I am just a little peeved. I pay a crap load of money for everything that can be covered only to find out last year when the policy was renewed they slipped in the little hurricane rider. It's my own fault for not reading it and noticing it. I only looked at the payment amount. So my normal deductible went from 250 to 7,100. If my 10 trees had been uprooted during a thunderstorm I would have been covered, but not if it happens during a hurricane. Just frustrating.
So sorry to hear that, I hope everything works out :huggy:

Natiowide or Allstate?

We have had A LOT of clients who have their auto here but the H/O w/ one of them come in super angry because they had no idea their deductible would be 2% because of the hurricane.

That doesnt always work unfortunately.

So sorry to hear that, I hope everything works out :huggy:

Natiowide or Allstate?

We have had A LOT of clients who have their auto here but the H/O w/ one of them come in super angry because they had no idea their deductible would be 2% because of the hurricane.

Who do you work for??

(It's not considered an "ad" if I ask right??

So sorry to hear that, I hope everything works out :huggy:

Natiowide or Allstate?

We have had A LOT of clients who have their auto here but the H/O w/ one of them come in super angry because they had no idea their deductible would be 2% because of the hurricane.
I'm one of those people!! :howdy: My own fault for not knowing what my coverage was; and I inquired after the storm to see what I had. I'm with Nationwide BTW.

We will help you get the trees down. :yay:




:huggy:

Awww that's so sweet for the offer. But, got it covered hon. :huggy:

Who do you work for??

(It's not considered an "ad" if I ask right??
Statefarm :buddies:
I'm one of those people!! :howdy: My own fault for not knowing what my coverage was; and I inquired after the storm to see what I had. I'm with Nationwide BTW.

:frown: Hopefully you didnt have any damage!:love:

Statefarm :buddies:


:frown: Hopefully you didnt have any damage!:love:
Nope, none. Not even any flooding and my sump pump was off a full day (I didn't hook the generator to it). I have a walk-up basement too, and I was incredibly lucky my basement didn't flood.

We have trees on our property, but they're far enough back that even if they did fall they wouldn't hit anything.

That doesnt always work unfortunately.

So sorry to hear that, I hope everything works out :huggy:

Natiowide or Allstate?

We have had A LOT of clients who have their auto here but the H/O w/ one of them come in super angry because they had no idea their deductible would be 2% because of the hurricane.

Nope, $$$Travelers $$$ :lol:

Statefarm :buddies:


:frown: Hopefully you didnt have any damage!:love:

State Farm??

They've had some issues with past hurricanes as well..

Trent Lott seems to come to mind.

Nope, $$$Travelers $$$ :lol:

I had Travelers too for years and years, recently switched to Eerie. Travelers pizzed me off more than once.

Had a tree fall on a shed. Adjuster came out, negotiated a price, got a check. Great! Then I get the update: there was a surcharge added to my premium for the next 3 years. The cost of the premium exceeded the value of the check they wrote. Had I know that, I would not have filed a claim.

Had an accident with the truck. 1st accident since I was 18 (now almost 60). No points, no accidents, no claims, clean records all around, same insurance for over 25 years. Within a month of the accident my rates went up. No forgiveness, no review, just a significant increase.

Went to Eerie, got more coverage for less money in spite of the accident.

:huggy:


Sorry to hear that. If you have any questions feel free to pm me I can try and offer my assistance :love:
Does this offer stand for everyone?
Statefarm :buddies:


:frown: Hopefully you didnt have any damage!:love:
because I sure would be a happier camper if my STATE FARM insurance adjuster would call me and set up a time to come out. :whistle:

Does this offer stand for everyone?

because I sure would be a happier camper if my STATE FARM insurance adjuster would call me and set up a time to come out. :whistle:

Yes yes message me if you need info :love:

I'm one of those people!! :howdy: My own fault for not knowing what my coverage was; and I inquired after the storm to see what I had. I'm with Nationwide BTW.

I'm in the same boat. Luckily I didn't need to use my homeowners insurance for any damage from this hurricane. But what many people seem to be going through lately is making me take a closer look at my policy contract for possible exclusions, higher deductibles than anticipated, etc. I need to call my SF agent to clarify a few things too. Don't want to be screwed in the event I ever need to file a claim. We all need to know what our policies do and do not cover.

A friend of ours in VA just found out the hard way that his septic system was damaged by the recent earthquake. Someone told him his policy may not include earthquake coverage. So there's another question I add to my list for when I talk to my agent. :smile:

Sump pumps have nothing to do with water getting into your house, They only get it out after it gets in.

Sorry if I wasn't clear. The sump pump failed due to power outage. The crawl space under the house filled with water. Her laundry area seems to be lower than the rest of the house so when the water rose, it came up into the laundry area. Make sense?

I called Ins Agent since we have about10 big trees down, roof damage, and 2' water in basement when power failed. Heard that now the water damage would be covered, only the tree across the driveway which I already cut to get out of house for Mass.
Then heard about 1% hurricane deductible, so even though the main heat pump, still under warranty, needs an expensive circuit board, not enough with the $5K plus deductible. Good news and bad news.

Travelers.

What would you say to all the people that have exterior basement steps leading down to a below ground landing at the basement door?

And would you believe that at the bottom of those steps is a drain that is piped directly to the sump pump underneath the slab?

Now we'll let you explain what happens when rain water is running into that drain and the sump pump isn't working?

:whistle:Let's see if I can help... Sump pumps have nothing to do with water getting in... their job it to get water out. It's the job of the contractor to direct water away from the house or to a collective area that is handled by a sump pump. It is the responsiblity of the homeowner to ensure the sump pump remains operational. Ground flooding isn't usually covered under a normal policy. It is the responsiblity of the homeowner to get the additional insurance necessary to cover damage that could be caused by flooding and/or pump failures.