The warmer weather will soon be upon us. As the snow melts and the water levels rise, think about how water might affect your property this spring. Protect yourself by reviewing your insurance policy for water damage coverage and talk with your agent or insurance company if you have any questions or concerns.
There are multiple ways water can damage your home or property and not all water damage is automatically covered in basic insurance policy packages. You might have to pay for additional coverage. Make sure to thoroughly read your policy, and to contact your agent if you are unsure of your coverage.
Types of water damage that insurance may cover include:
• Mechanical breakdown – e.g. pipes burst, dishwasher leaks • Nature caused – e.g. seepage, sewer backup • Overland flooding - e.g. weather event
Here are some tips to help minimize water damage this spring:
1) Keep water out of window wells. 2) Put water sealant around basement windows. 3) Consider installing a sump pump. 4) Remove snow around the foundation.