All residents are encouraged to review their homeowners’ policies and to contact their insurance agent to discuss their coverage. All policies exclude wear and tear or seepage and gradual damage; however, there may be some exceptions. Policies generally include coverage for damage caused by the weight of ice/snow/sleet, the accidental and sudden discharge of water such as from a dishwasher, clothes washer, or water heater, freezing of plumbing/pipes, and the tearing apart of cracking/burning/bulging of steam or hot water systems. Your policy may allow for certain water damage coverages to be added, for a cost, such as water back-up, fungi/bacteria/wet or dry rot, and offer options concerning flood insurance.
Water back-ups are often triggered by water entering the home through sinks, toilets, bathtubs, etc. It can also happen through the back-up of storm drains or sewers. This is usually excluded from standard homeowners’ policies unless you purchased an endorsement.
Flood insurance is not covered under most policies. It can be purchased through the National Flood Insurance Program.
Good luck to you this year—may your homes be dry and safe.
Some Winding Brook residents experienced water damage last year due to the 1000 year rain and flooding. It can happen to you even if it hasn’t in the past. If your home is within a flood plain, you are at higher risk for problems though not all of Winding Brook’s homes are situated within the flood plain.