Homeowner’s Insurance Covers Your Water Damage… So Why Get Flood?

Boston, South Shore, MA - NBA Insurance Agency, Inc., Free Quotes Auto, Home, Life, Boat, Business, Commercial, Apartment, Renters, Motorcycle

This weather is disgusting. (That just needed to be said). Last night, meteorologists got a little panicky about the rain. We really don’t need rain now, given that the snow’s prolonged melting is making our roads rocky and flooded anyway. Specifically though, weather-men-and-women worry about river-overflow and its effect on residential areas.

Rivers of concern are the Assabet @ Maynard, the Shawsheen @ Wilmington, and the Blackstone @ Northbridge & Woonsocket.

Melissa Mack, WBZ-4 News

A lot of skeptical homeowners assume that they’re covered for water damage. They stand proudly against the windswept rain holding their recently laminated Homeowner’s Declaration Page. While your homeowner’s policy is awesome because it covers you for your dwelling, personal property and gives you some lovely personal liability, it’s not an invincibility cloak.

“But it covers me for water damage!” the insured person proclaims.

It’s great you are covered for water damage (burst pipes, roof leakage, and damage to your personal property when your washing machine explodes causing your basement to flood). Go ahead, leave your iPads and your 3D TVs unprotected. After all, you’re insured. (Please don’t actually do that).

If your home/basement or personal property gets flooded because of a river/body of water overflow (or if it gets flooded by water you didn’t invite in your house due to excessive precipitation), you are not covered by your homeowner’s policy. You need Flood Insurance. Click that link for a free quote!

If you’re looking for a quote, look no further. Email Liz@NBAInsurance.com or call 1-781-871-5414 for details.

Please Note: Not all policies provide adequate coverage for finished basements. Additional coverage can be added by endorsement. Just ask us about it.

4 Responses to Homeowner’s Insurance Covers Your Water Damage… So Why Get Flood?

  1. I realize that your article was posted in March but it is still very relevant today. My area is in the Hurricane Zone, so to speak and I’m sure there are quite a number of people without Flood Insurance.

    We do a lot of work for the other types of water emergencies you mentioned. Hopefully we won’t get hit by a tropical system this year to experience the flooding that can occur.

    Thanks for your post.

  2. Dinghy Insurance…

    […]Homeowner’s Insurance Covers Your Water Damage… So Why Get Flood? « NBA Insurance Agency, Inc.[…]…

  3. Lampedusa, Residence Lampedusa, Appartamenti…

    […]Homeowner’s Insurance Covers Your Water Damage… So Why Get Flood? « NBA Insurance Agency, Inc.[…]…

  4. Woonsocket says:

    Woonsocket…

    […]Homeowner’s Insurance Covers Your Water Damage… So Why Get Flood? « NBA Insurance Agency, Inc.[…]…

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: