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.
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.