Will insurance pay for it?
Standard homeowners policies usually exclude flooding from outside, such as surface water, storm runoff or rising water. That coverage comes from a separate flood policy, through the NFIP or a private insurer, and flood policies often limit what they cover in basements. Water that starts inside, like a burst pipe, is usually handled under your homeowners policy, and a failed sump pump may be covered if you have a water backup endorsement.
Every policy is different, so your insurer decides what is covered. Recoveron is a preferred vendor for major insurance companies. We photograph and document the damage so your adjuster, whether homeowners or flood, has what they need.
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