• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US | (803) 430-9002
Home
  • Home
  • Products
    • Automobile
    • Business & Commercial
    • Bonds
    • Contractors Insurance
    • Disability Insurance
    • Flood
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Surety Bond
    • Trucking
  • Get a Quote
    • Auto Insurance Quote FormsImage of right arrow
      • Bundled Auto & Home Insurance Quote
      • Instant Auto Insurance Quote
    • Bond Request Form
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Contractors Quote Form
    • Flood Quote Form
    • Health Insurance Quote Forms
    • Disability Insurance Quote
    • Homeowners Insurance Quote FormsImage of right arrow
      • Get an Instant Home & Auto Quote Now!
      • Get An Instant Homeowners Quote Now!
    • Life Insurance Quote FormsImage of right arrow
      • Get an Instant Life Quote Now
      • How Much Life Insurance Do You Need
    • Motorcycle Insurance Quote
    • Recreational Insurance Quote Form
    • Renters Insurance Quote
    • Surety Bonds
    • Trucking
  • Blog
  • Resources
    • Make a Payment
    • Refer a Friend
    • Important Files
    • Insurance Glossary
  • About Us
    • About Us
    • Location(s)
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Contractors Insurance CONTRACTORS

Learn about different health coverage options that fit your specific needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Home > Blog > Protecting Your Basement from Flood Risks
WEDNESDAY, OCTOBER 2, 2024

Protecting Your Basement from Flood Risks

Reinforcing your home against potential problems is one of your top goals as a homeowner. As spring rolls in, there’s an increased chance of inclement weather. Among these risks is the issue of flood damage—especially within your home’s basement.

How Floods Can Affect Homes cars on flooded street

A flood can sometimes strike without warning in the form of flash floods. Water can cause widespread and potent damages. Water damage may tarnish woodwork, ruin furniture, and cause mold and mildew growth.

One area of your home that is particularly susceptible to flood damage is your basement. The basement is usually partially or wholly below ground. It is usually relatively easy for water to permeate or penetrate the space.

Flood Insurance and Basement Coverage

If your basement receives flood damage, you may wonder how home insurance covers repairs. There are several factors to keep in mind.

  • The standard home insurance policy usually doesn’t cover flood damages. Some types of man-made damage, like from burst pipes, might have homeowners coverage. Weather-related flooding, however, usually doesn't have coverage. Check with your insurance agent to see how your policy covers water damages.
  • Most people who live in areas that are prone to flooding have to purchase flood insurance. This is a separate policy that specifically covers flood risks.
  • Basements may not have coverage under flood insurance or the standard home policy. The special status of basements leads many insurers to leave coverage off policies.

In any case, be sure to talk to your insurance agent to discuss your specific coverage capabilities.

Tips to Prevent Basement Floods

There are ways to better protect your basement from potential floods. By inspecting your property in the spring, you can get ahead of many problems that may occur later.

  • Ensure that there are no cracks in the foundations or supports of the basement. This will prevent water from seeping into the interior.
  • Check that you re-apply any sealants or repair any seals meant to keep water out of the basement.
  • Understand the basement’s construction. Learn if any tanks or pipelines run below the floors or in the ceilings above. Make sure these appliances don’t leak.
  • Check your home’s roof, gutters and downspouts. Repair and keep these parts of the home clean. Damage to these structures could block water from running off the house properly. The water could seep onto the foundation and into the basement.

For more information, consult your insurance agent.

Posted 6:21 PM

Tags: flood insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2012

  • affordable insurance group(52)
  • insurance(43)
  • auto insurance(41)
  • home insurance(34)
  • coverage(24)
  • car insurance(16)
  • protection(11)
  • tips(9)
  • life insurance(8)
  • home(7)
  • life(7)
  • winter(6)
  • claims(6)
  • homeowners insurance(6)
  • homeowner(6)
  • business insurance(5)
  • loss(4)
  • weather(4)
  • safety(4)
  • sr-22 insurance(4)
  • policy(4)
  • rv insurance(3)
  • flood insurance(3)
  • repairs(3)
  • risk(3)
  • bop insurance(2)
  • renters insurance(2)
  • options(2)
  • motorcycle insurance(2)
  • finances(2)
  • boat insurance(2)
  • quote(2)
  • construction(2)
  • auto(2)
  • claim(2)
  • accident(2)
  • exclusions(2)
  • theft(2)
  • damage(2)
  • women(1)
  • prevention(1)
  • gaming systems(1)
  • autonomous vehicles(1)
  • home insurance exclusions(1)
  • transmission(1)
  • fraud(1)
  • loans(1)
  • requirements(1)
  • family(1)
  • class c vehicle(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Yelp
ASI Homeowners of America National General Progressive Stillwater The Hartford The Main Street Travelers Zurich

Resources

Home About Us Get a Quote Make A Payment Newsletter Refer A Friend Contact Us

Contact Us

Affordable Insurance Group
  • Affordable Insurance Group
  • 6168 Saint Andrews Road
  • Columbia, SC 29212
  • O:(803) 430-9002
  • F:(803) 798-5100
  • E: info@affordableinsgrp.com
© Copyright 2020. All rights reserved.
Powered by Insurance Website Builder