Overland water insurance coverage helps protect homeowners against damage caused by water entering their homes from the outside. Heavy rainfall or overflowing rivers are some examples of overland water risks.
Did you know?
Insurance coverage may not be automatically included in a standard home insurance policy. This type of coverage is especially important for homeowners in areas prone to flooding or other types of water damage.
The coverage typically includes protection against damage caused by:
- Overflowing bodies of fresh water, such as rivers and lakes
- Heavy rainfall/snowmelt
- Water seepage through foundation or basement walls
- Water backup through sewer lines or drains
Preventative tips to help reduce the risk of overland water damage
Maintain your gutters and downspouts: Keep gutters and downspouts clean and clear of debris, such as leaves and branches, to ensure water flows correctly. Ensure that downspouts are directed away from the foundation of your property by at least 3 feet.
Landscaping: Ensure that the slope of the ground around your property is away from the foundation so that water can drain away from the building. Use landscaping features like swales and berms to direct water away from your property.
Install a sump pump: If your property is prone to flooding, consider installing a sump pump in your basement or crawlspace to remove excess water before it causes damage.
Seal cracks and leaks: Check your foundation, walls, and roof for any damages or leaks and seal them with appropriate materials to prevent water from seeping into your property.
Install a backwater valve: A backwater valve prevents sewage from backing up into your property during heavy rain or flooding.
Contact us today for your customized overland water insurance quote. Making Insurance easier on you, that’s the AIM!