Does my NJ home insurance include protection for damage caused by a flood?
In most cases a flood is NOT covered by your policy. A flood is defined as a rising body of water and its overflowing onto a normally dry area. An example would be extremely heavy rains causing flooding in your basement. In this case your homeowners insurance will not cover the water damage. However a burst pipe in your home that causes water damage is not considered a flood and therefore coverage would normally apply. If you live in an area of New Jersey that is prone to flooding please consider purchasing flood insurance for your protection. Click here for a Fast Free No-Obligation NJ Flood insurance quote. The recent heavy rains of April 2007 left many New Jersey homeowners with flooded basements – in some cases for the first time in memory. While your home insurance will not cover the damage caused flooding due to rainstorms it is worth looking at some steps you can take to help waterproof your basement. These steps include installing french drains and a sump pump.
