How Could Flooding Damage My Home?

The weather is arguably the most uncontrollable thing in this world. This is why there is likely no reasonable way that you could have prevented your house from flooding after seriously heavy rainfall. Further, you may not want to singlehandedly suffer the repercussions of poor inclement weather conditions. Rather, you may want to seek the aid of your homeowners’ insurance provider. After all, you mainly carry it for dire situations like this. Continue reading to learn how flooding could damage your home and how one of the experienced New York residential flood damage insurance attorneys at The Law Office of Craig A. Blumberg P.C. can help you recover.

In what ways might flooding damage my New York State home?

You may think it is just water at the end of the day, so it could not possibly cause that much harm. However, you may be sorely mistaken. Without further ado, flooding may damage your New York State home in any or all of the following ways:

  • Your home’s foundation may shift, which may subsequently cause your doors to get jammed and your windows to break.
  • Your home’s foundation may crack, which may subsequently cause your floorboards or roofing to loosen or buckle.
  • Your air conditioning system, water heater, refrigerator, or other electrical appliances may be compromised.
  • Your drywall, flooring, insulation, and personal property may be covered in mold or mildew.
  • Your septic tank filter may become clogged with debris or your well system may fill with contaminated water.

Does my homeowners’ insurance policy cover flood damage?

Reports have shown that New York State experiences approximately 83 flooding incidents yearly. With such frequency, you may assume it is a no-brainer for your homeowners’ insurance policy to cover your flood damage. But once again, you may be, sadly, sorely mistaken.

Usually, the standard homeowners’ insurance policy limits coverage or entirely denies coverage for flood damage. Though, there are specific exceptions. One exception is if your flood damage occurred due to wind-driven rain or rain that caused damage by intrusion. Or, if your flood damage was not caused by a flood, as defined in your specific policy’s terms and conditions.

Otherwise, it may be better if you have bought into excess coverage on top of your standard homeowners’ insurance policy. This is so you may better guarantee that you will be compensated for clean-up, home repairs, and any other relevant expenses after your flooding incident.

In conclusion, if unsure of your next move, resort to one of the New York residential property damage claim attorneys. Someone at The Law Office of Craig A. Blumberg P.C. will know the legal option that works in your best interest. So call our firm today.