Breaking Dawn
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Manda....thanks hun.
In the home insurance world flooding is not covered. Even if you have sewer backup coverage - which we do - it explicitly excludes flooding.
We had both flooding damage - water entering through the floors and walls. And sewer backup..water entering the the sewer pipes.
We took pics so that's how we can prove the sewer backup. The insurance company will cover fixing all the floors etc bc the sewer watwr from the pipes ruined that (regardless of the flooding). They will not cover the flooding damage...external walls soft and crumbly bc of water pressure from the flood.
That flooding damage is expensive....if we don't fix it bc the damage is done even during a light rain the water is automatically going to pull and run to those spots the storm has damaged.
In the home insurance world flooding is not covered. Even if you have sewer backup coverage - which we do - it explicitly excludes flooding.
We had both flooding damage - water entering through the floors and walls. And sewer backup..water entering the the sewer pipes.
We took pics so that's how we can prove the sewer backup. The insurance company will cover fixing all the floors etc bc the sewer watwr from the pipes ruined that (regardless of the flooding). They will not cover the flooding damage...external walls soft and crumbly bc of water pressure from the flood.
That flooding damage is expensive....if we don't fix it bc the damage is done even during a light rain the water is automatically going to pull and run to those spots the storm has damaged.
I wonder if the government is going to help out with extra costs since so many people were effected. I think that's what they did in Alberta recently, definitely something to look into and possibly contact your MP/MLA about.
and I'm so busy at work but I DON'T CARE all I wanna do is jump for joy!!!
