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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Take pictures and call your agent, if you are going to make a flood claim on your insurance. (Do you have flood insurance? Most people don't.)

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Flood insurance doesn't cover many things in the basement.  From FloodSmart.gov:

What is covered in my basement?
Flood insurance covers your home's foundation elements and equipment that's necessary to support the structure (for example: furnace, water heaters, circuit breakers, etc.).

It's important to note that some items in your basement are covered under building coverage (like a furnace, hot water heater and circuit breaker) and others are covered under contents coverage that must be purchased in addition to building coverage (for example, your washer and dryer, or your freezer and the food in it).

The NFIP encourages people to purchase both building and contents coverage. Flood insurance does not cover basement improvements, such as finished walls, floors, ceilings or personal belongings that may be kept in a basement.
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Flood insurance does cover water removal, so if you call servicemaster or the like it will be covered.  They will rip out wet carpet, wet drywall, and leave industrial strength fans and dehumidifiers for 48 hours or so.  Flood insurance also covered replacement of drywall.  We had to pay out of pocket for new carpet.[/quote]

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