Reply to Two inches of water in my basement

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[quote=Anonymous][quote=Anonymous]Insurance doesn't cover if water came from outside. It only covers internal plumbing water.

That would be flood insurance if it comes from outside [/quote]

+ 1

We had several inches of water in our basement after a storm, but got lucky because it was due to a sump pump failure and we had a sewer and drain rider, which covered it. Of course if the sump hadn’t failed then we wouldn’t have had the water in our basement, so double edged sword there. For straight up stormwater in the house, homeowners will not cover it and I wouldn’t let them know about it because you don’t want to be on their radar and not even get a payment from it.

With everything going on with climate change, basically everyone should have flood insurance these days.

Remediation can easily be 20k +. Our insurance company paid several grand for the water restoration to come pump put the water and run fans for serval days. It was thousands more to rip out and re-do flooring and drywall. Fun fact - LVP is not actually waterproof for heavy water like this. I see so many people on this forum recommend LVP for the basement because of potential water issues, but anything more than minimal water damage that is immediately soaked up is going to require new flooring. The concept of waterproof flooring is a scam. [/quote]

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