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Reply to "Submit claim through homeowners or flood insurance?"
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[quote=Anonymous]My basement flooded because my sump pump died. I lost my boiler, washer and dryer etc. All of the appliances were very old. Boiler was 30+ years. In total, it will probably cost me $12k between the water cleanup, new sump pump, new boiler and washer/dryer. The homeowners company is saying they will cut me a check for $5k. I haven’t even spoken to the separate flood insurance company yet. Is there an advantage to going through flood insurance instead of homeowners? I do not have a mortgage on the property and I do get concerned about my homeowners premiums going up because of a claim. [/quote]
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