Quote:
Originally Posted by retiredguy123
No. Regular homeowners insurance will not cover any damage caused by rising water. It doesn't matter what caused the water to rise. However, you can buy an optional rider to your homeowners policy that will cover damage from a sewer backup. But, normally, a sewer backup would only be caused by a sewage problem, not area flooding. Area flooding would cause the sewer manholes to fill up with water and overflow into the street. It wouldn't flow into your house through the sewer pipe because the floor level of your house is higher than the street. But, that being said, I don't think flood insurance is worth buying.
|
Yes i have this sewer backup rider.
Thanks for the responses, makes sense. I agree with the sewer water management system we have here it probably doesn't make sense to get flood insurance unless you just want piece of mind. I understand from a village official the Villages can pump water around the retention ponds and elsewhere during storms and they have backup power in case we get a power failure so the risk is low. But if you are up north above 466 the system isn't as robust so you may want to get flood insurance.