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Protecting Your Home Financially During Flood Season

If you live near a river or close to another body of water that’s likely to overflow, you might be worried about whether or not your homeowner’s insurance will cover damage from basement flooding. The answer might depend on the insurance company that you use and the specifics of your policy details.

As a general rule, most homeowner’s insurance policies don’t cover any form of damage that results from flooding. Every homeowner’s insurance policy includes excluded perils — those are situations during which your home can be damaged that you won’t be able to claim compensation for. Flooding is one of the most commonly excluded perils, meaning that unless you have a special clause in your policy, your homeowner’s insurance probably won’t cover basement damage after a flood.

If you live in a high-risk flood zone, you might want to purchase a separate flood insurance policy. Flood insurance policies are backed by the Federal Emergency Management Agency (FEMA) and are sold through private insurance companies. Unlike most types of insurance, FEMA sets the pricing for flood insurance policies based on your location, meaning that you won’t need to shop around for policies to ensure that you’re getting the best price.

Beyond insurance, you should take steps as a homeowner to protect your home (and in particular, your basement) before a flood occurs. A comprehensive basement inspection in Philadelphia from a company like Rightway Waterproofing can ensure that your home isn’t currently suffering from a mold problem that can be made worse after a flood. Additionally, basement waterproofing experts can help you protect the most vulnerable level of your home with comprehensive waterproofing services.Are you interested in learning more about how Rightway Waterproofing’s basement company in Bucks County can help you protect your property? Give us a call today to learn more or schedule your appointment for service.

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Hear What Our Customers Are Saying!

“We wanted to thank you for your personal and specialized attention to the water problem we had in our basement. You took the time to inspect the whole situation and gave us recommendations, all of which worked. You had a way of explaining the process and materials that would be used in a way that we understood. We are very pleased with the work that was done and would highly recommend your company to anyone.”

-John and Barbara Vicich

“The day after Hurricane Irene, all of my neighbors basements were filled with water, while mine remained dry! It is wonderful, everything remains dry and the battery backup worked beautifully when my power was out for 2 days. Dry AND quiet, thank you, thank you! Thanks! Debbie, Berwyn”

-Debbie, Berwyn

“All I have to say is that Hurricane Irene was no match for the job that Rightway did for my basement and my father-in-law’s. I had my basement done 5 years ago and we are still bone dry and my father-inlaw’s was done last year and another dry basement… Great job! I highly recommend them for waterproofing and mold remediation.”

-Doug Smith, Glenside

“I’d highly recommend these guys for your basement. My basement has been dry since they installed a sump pump and French drain in June. They offer a competitive price, they get the job done quickly and they stand by their work. Please mention my name if you proceed down the road with these guys.”

-Luke

“We had our basement waterproofed with Rightway Waterproofing in 2007, after all this time and just getting through Hurricane Irene, we did not get a drop of water in our basement. Rightway Waterproofing did a very good job and we are very satisfied!”

-Angelo and Sandra Patiri