In light of the excessive snow and ice that has shut down multiple states, here are answers to two of the most frequently asked questions now that the thaw is upon us.
If your client carries a water backup endorsement, coverage is triggered when water backs up through the sump pump or floor drain.
Groundwater coming through walls and windows is generally not covered unless it escapes directly from a pipe without communication to ground.
Here are some tips you can share with your clients in advance of the melting snow, to help them avoid possible water intrusion.
Make certain to rake your roof, even if you can only rake the first four or five feet from the gutter.
Be careful when approaching roof overhangs with icicles; they can drop at any time.
Make certain that the sump discharge pipe outside your home is not blocked by ice or snow.
Shovel snow away from the perimeter of your home as that will reduce the amount of water entering the ground next to your home’s foundation while the snow melts.
If possible, have a back-up power source for your sump pump.
Check to make sure your power service lines are clear of ice and snow as these can detach from the home and leave you without electricity increasing the risk of frozen pipes and backup of your sump system.
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