Does Insurance Pay for Basement Flooding?

Basement floods can cause serious damage to your home and can result in a need for mold remediation, basement waterproofing, and more. If you’re dealing with a flooded basement in Baltimore, watch this video to help determine if your insurance will cover the repairs.

The first factor to consider is if you had the insurance before the flooding. If you only attain coverage later, then the flood damage is not likely to be covered. Second, if the flooded basement was the result of a natural disaster, such as a tornado or hurricane, then you probably need specific flood insurance. However, if the problem was due to a burst pipe, for example, then insurance should cover the damage if flooding is part of your homeowner’s insurance policy.