Is Your Home Covered From Groundwater?

2/22/2022 (Permalink)

The short answer is… probably not.

Only about 10 percent of homeowner policies have this type of coverage included.  

When water levels rise, usually as a result of excess rainwater, any structure below the water line can be susceptible to leaking and flooding. Water can make its way inside from cracks or sump pump failures.  Other conditions that can lead to groundwater swells are hurricanes and melting snow. 

Ground seepage, pipe backups, flooding, and poorly maintained pipes are all situations that likely will not be covered by your homeowners insurance policy.  

Steps you can take to protect yourself:

• Install battery backup for your sump pump
• Ensure that your sump pump can handle the amount of water that you will likely get
• Consider purchasing a separate flood insurance policy

It is important to contact a damage restoration professional as soon as you notice any water damage. SERVPRO of Norwalk/Wilton has over 30 years of experience working with people who have had damage to their property.  If you have any type of damage, call us immediately at 203.324.1642.