In insurance adjuster-ese, would water damage in basement due to a clogged downspout constitute a flood?
December 22nd, 2011
Question by SavvySue: In insurance adjuster-ese, would water damage in basement due to a clogged downspout constitute a flood?
I had this happen last week during the heavy rains we had. We do not live on a flood plain and do not have flood insurance. Do I need to go pound sand? =( The adjuster may be here 2 weeks from last Thursday!!!
That is how I define a flood, too, Coop.
Best answer:
Answer by mbrcatz
Let’s clarify terms. Downspouts, are OUTSIDE the house. Downspouts direct water that runs off the roof, to the ground. I’m not seeing how a clogged downspout directly gets water into your house.
So, how exactly did the water get INSIDE the house? If it came from a pipe, inside the house, like th washing machine hose burst, or the toilet exploded, or a pipe in the wall burst, then it’s covered. If it ran in from the outside, through a window, door, seeped through the walls, or up through the floor with the water table rising, that’s flood, and NOT covered. If you have flood insurance, it very well could be covered under that.
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