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  • O’Fallon Illinois Homeowners Insurance: Is a Flooded Basement Covered?

    February 4, 2020 | Blog
  • is flood damage covered with homeowners insurance o'fallon illinoisIs A Flooded Basement Covered with Homeowners Insurance?

    Having homeowners insurance can be the difference between having to spend a fortune on repairs or having them taken care of for you. However, it’s important to know what is and isn’t covered. If the basement in your O’Fallon, Illinois, home is flooded, your homeowner’s insurance may or may not cover it.

    The Cause

    The most important thing when you’re trying to determine whether or not basement flooding is covered by your homeowner’s insurance is the cause of the flooding. There are plenty of times that flooding is caused by an accident that couldn’t have been prevented, but that’s not always the case.

    Burst pipes are a very common cause of basement flooding, but pipes burst for different reasons. If you keep up with regular maintenance and have well-insulated pipes, a burst pipe should be covered under your insurance. However, that may not be the case if your pipes burst because you don’t heat your home enough or have pipes in areas with little to no insulation.

    Problems with appliances are also a common cause of basement flooding, whether it’s a leaking water heater or a busted AC unit. These appliance problems are treated the same way as busted pipes; while they are covered in most cases, your insurance coverage may not help if the appliance was old or poorly maintained. Essentially, your insurance will cover things that you aren’t at fault for.

    flood damage covered with homeowners insurance in o'fallon illinois?Additional Coverage

    You may be wondering if you need flood insurance to supplement your homeowner’s insurance, and the answer to that question depends on a few different things. For homeowners who live in an area where there’s a high risk of flooding, flood insurance is great. However, that’s not the case in most of Illinois.

    Another thing to consider with flood insurance is that while it covers damage to the belongings in your basement, it doesn’t provide insurance coverage for structural damage. If you have a lot of expensive furniture and equipment in your basement that could be damaged by water, flood insurance may be of some use.

    A Little Help

    The best thing you can do if you want to avoid spending a fortune fixing flood damage is to have a sump pump in your basement. However, it also helps to have a good homeowner’s insurance policy. If you’re looking for the best insurance for your O’Fallon, Illinois, home, contact KMK Insurance for a free quote today.