Quote:
Originally Posted by MandoMan
I’m buying a courtyard villa. Most of the courtyard is concrete, probably close to 90%. It is of course flat (or is it sloped slightly toward the street?). It’s not unusual to get 5 inches of rain here in an hour or two. I currently live in a house with larger lawn, and most rain soaks into the grass and sand and the rest runs out to the street and gutters. But in a courtyard, is flooding from a heavy rain ever a problem? Should I carry flood insurance for that? What if we got another Hurricane Irma that dropped 12”?
|
The villa should have a 12 inch by 12 inch plastic area drain in the back yard. If this is a pre-owned house, I would have the inspector verify that the area drain is working properly. It it is a new house, you can test it yourself with a garden hose. The area drain and the entire area should be sloped to drain away from the house. It would be very unusual for a heavy rain to flood the house. I don't think flood insurance is worth the cost.