Flood insurance
- Thread starter getbent
- Start date
DEEKAYPEE8569
Well-Known Member
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.
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ProfMoneyWise
Member
Understanding Insurance - Flood Insurance: What You Should Know
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.
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.
kwillia
n/a
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
I will tell her to double check with her agent though.
dave1959
Active Member
Sump pumps have nothing to do with water getting into your house, They only get it out after it gets in.
lovinmaryland
Well-Known Member
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.
PrepH4U
New Member
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.
Sorry I am a little peeved right now about Homeowners Insurance.
lovinmaryland
Well-Known Member
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.
Sorry I am a little peeved right now about Homeowners Insurance.
Sorry to hear that. If you have any questions feel free to pm me I can try and offer my assistance
itsbob
I bowl overhand
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.
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..
Chasey_Lane
Salt Life
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. 
PrepH4U
New Member
Sorry to hear that. If you have any questions feel free to pm me I can try and offer my assistance
Thanks for the offer
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.
itsbob
I bowl overhand
Thanks for the offer
Need help removing trees??
Chasey_Lane
Salt Life
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).
BadGirl
I am so very blessed
We will help you get the trees down.Thanks for the offer
PrepH4U
New Member
Thanks for the offer.
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. 
lovinmaryland
Well-Known Member
That doesnt always work unfortunately.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.
So sorry to hear that, I hope everything works outThanks for the offer
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.
itsbob
I bowl overhand
That doesnt always work unfortunately.
So sorry to hear that, I hope everything works out
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??