How to Prevent Costly Spring Water Damage
The humid, rainy season of spring brings a universal threat to property owners: water.
Water damage is less about a leaky roof and more about the unexpected gaps in coverage and the freak accidents of life. As these risks continue to grow more complex, our goal is simple: to help make sure you’re protected and ready for whatever comes your way.
At Concannon Insurance Agency, we've handled many unexpected water accidents that our clients were relieved to have covered. Read on to learn more about protecting your assets from costly water damage claims.
TL;DR: Your standard homeowners or business policy does not cover rising groundwater or surface floods. To add a separate Flood insurance policy, contact our team at Concannon Insurance Agency today.
Why Your Standard Policy May Not Be Enough
Standard policies typically cover water damage that is sudden and accidental like a burst pipe. They almost never cover rising groundwater or surface water flooding from the outside.
If you’re paying attention to the news, you know that we are seeing 100-year floods happen with alarming frequency in areas previously considered low risk. Whether you live in a coastal flood zone or a high-plains suburb, a separate Flood Insurance policy is becoming a critical component of today's risk management strategy.
How to Spring-Proof Your Risk Profile
Effective protection requires a proactive strategy. Here is how you can shore up your defenses this season:
Test Your Sump Pump & Battery Backup: Spring storms often knock out the power when groundwater is at its peak. At Concannon, we’ve seen properties flood simply because a battery failed during a blackout. Check your policy for Sewer Back-up and Sump Discharge coverage.
Protect Basement Vulnerabilities: Don't assume a finished basement is watertight. We’ve seen heavy rains turn clogged window wells into fish tanks that eventually shatter window seals. Ensure your gutters divert water at least 10 feet away from the foundation and keep window wells clear of debris.
Verify Condo Coverage: If you live in a multi-unit building, you are at the mercy of your neighbors. A bathtub overflow two floors up can follow electrical conduits directly into your living room. Ensure your HO-6 policy is tailored for loss assessment.
Watch for Local Infrastructure Risks: With construction booming during warmer months, accidental floods become more likely. We’ve seen cases where crews installing fiber-optic cables accidentally drilled into water mains, forcing high-pressure water into nearby service lines. If you are a business owner, ensure your plan accounts for business interruption caused by off-site utility damage.
Protect What Matters Most with Help from Concannon
Water damage happens in every ZIP code. Thankfully, Concannon Insurance Agency works with clients across the country, including right where you are. We provide the coverage and consulting necessary to navigate an increasingly volatile climate.
Contact our team today for a comprehensive flood insurance coverage review.
