'Grade' Your Land Away From Your Home
In the past 45 days we have seen higher than average claim activity on water related claims. With all of the snowfall we had, and then the sudden climate change it created a lot of melting and possible water run off into our homes. If there is the slightest crack in your foundation, the water will seep into your home and create damage, that damage typically isn't covered (nor is your foundation).
Flood, surface water, overflow of a body of water, back-up thru a sewer or drain, overflow from sump pump failure, water below the surface of the ground, etc are commonly excluded on your policy. You can purchase coverage very easily and affordable for sewer back-up and sump failure, check with your agent to see if you have done that.
In the mean time, since it's spring and you might do some yard work or planting, make sure there aren't any low spots near your foundation, and if you have a flower bed make sure to 'grade' the land away from your foundation or home so that if we have a large rainfall and the land can't soak it up, it won't run toward your home and seep in. Because if it does, it likely won't be covered.
A simple activity like this can save you a large headache and thousands of dollars in damage. I hope this helps!
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Great advice! Keep up the good work.
Good advice, but not as simple as it sounds.
In older subdivisions, the lots are generally flat and re-grading to create positive drainage may not be impossible. Such re-grading may involve extensive landscaping.
Zoning regulations also generally contain clauses preventing a property owner from draining their property onto adjoining property.
On small lots - generally, in older suburbs and subdivisions - sidewalks and driveways may be immediately adjacent to the house. Those slabs heave and sink and, over time, frequently create negative drainage - water draining against the house.
All this said, this is still excellent advice that everyone should try to follow, to the extent possible or within the applicable constraints.
Wow, excellent points Peter, thanks for the valued input.