I’m Worried About Flooding from Melting Snow…Now What?
If all of the melting snow causes flooding at your home, would you be covered? This would not be covered under your CT homeowners insurance. The claim may be a tricky one because it is not technically a flood that is occurring. Snow melting into your basement is not covered under a flood policy unless there was actual visual water rising in the area around the home. In accordance with the definition of a flood, keep in mind the water has to cover two acres or two properties at least.
While it is difficult to state definitely whether it would be covered or not, it is cause for concern and something many people are experiencing. If you are worried about this occurring call your agent and ask them about a Connecticut flood insurance policy. Even if the above scenario would be covered with a home insurance policy, there are so many scenarios when it comes to water damage where that would not be enough.
Having a flood insurance policy for your home can give you the added coverage you need in the event of flooding. Flooding does not just occur for people on the coast or near other bodies of water, it is something anyone can experience, no matter where their home is. To learn more about flood insurance, check out our Flood Insurance FAQ section here. Our agents are also available to answer your questions at 888.865.1244.
Did you know that flood insurance takes 30 days to bind coverage? This means that if you call and get a flood insurance policy it will not go into effect for 30 days. This is just one of the many reasons now is a great time to get flood insurance. If your home survived winter with no damage, it’s on to the next season of weather to worry about. Protect your home and belongings from flood damage before spring showers arrive.
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