To readers: This story was initially released in August 2010.
A property owners insuranceinsurance plan may not cover flood damages.Kip Diggs, a State
Farm spokesman who represents the companys central Iowa workplaces, said that in the majority ofin many cases, water damage is not covered by traditional property owners policies.To guarantee coverage, speak with an insurance coverage representative
about purchasing a rider, or supplement, to the policy that covers backup from sewer and drains, or consider acquiring flood insurance coverage, he said.How youre secured when it pertains to water entering into your home must be an importanta fundamental part of your total protection conversation with your representative, Diggs said.Homeowners can deal with basement flooding if their sump pumps fail throughout power outages, or due to the fact that storm drains pipes overflow. Damage from those scenarios probably would be covered under the sewage system and drain backup rider, he stated.