Summer storms have already wreaked havoc
and caused flooding in many parts of the country. Damage to a home or business can be extensive
when flood waters enter a property and they are also sometimes associated with
backed up sewers. For property owners facing a property damage claim, the type
of water damage can mean the difference between coverage and facing the cost of
repairs on their own.
Most standard insurance policies will not
cover losses due to flood damage unless the policy holder has obtained flood
insurance. In 1968, Congress created the
National Flood Insurance Program (NFIP) to help provide a means for property
owners to financially protect themselves from flood damage. The NFIP offers
flood insurance to homeowners, renters and business owners through dozens of
insurance companies.
Sewer backups or sanitary sewer overflows
can be caused by a wide range of issues.
These frequently are due to blockages in the sewer lateral or sanitary
main, and in some circumstances, due to flooding events. As is the case with insurance coverage for
flooding, most insurance policies do not cover a sewer backup unless specific
coverage has been obtained by the policy holder. This coverage is typically available for a
nominal annual fee.
“Understanding the types of coverage you
have for your home or business is essential for protecting your property in the
event of flooding or a sewer backup,” said Douglas Waldie, President of Hudson Douglas Public Adjusters, LLC. “Flood insurance and sewer backup coverage is
a smart investment for many property owners.
For those faced with any type of water damage, our property and insurance experts can provide assistance at a moment’s
notice. Hudson Douglas Public Adjusters only
represents policy holders and never works on the behalf of insurance companies.
This means our clients can expect to obtain the most
accurate and complete settlement possible so they can rebuild their homes and
businesses.”
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