02/24/2022
A heavy accumulation of rain during the winter does not dissipate well into frozen ground. Especially if you don't have gutters expelling runoff water far enough away from your home, this can lead to water draining along your foundation wall and pooling up in basements and crawl spaces. This is NO BUENO.
"Essentially, any flooding caused by nature will not be covered under your home insurance policy. For all rising water situations, only flood insurance can save your basement--and even then coverage is limited."
If you haven't already, check your crawlspaces asap and prepare to fix the issue before it causes further damage and potential microbial growth. If you do have standing water and need help call TCM Restoration and they will take care of it quickly and thoroughly.
Flooded basements present an ambiguous insurance situation. In this article we discuss several ways in which your basement can flood, and whether your regular home insurance policy will cover you, or if you need flood insurance or a special endorsement.
