These series of posts are based on the questions consumers most frequently ask, explains what is covered in a standard homeowners policy and what is not. Where gaps in coverage exist, it tells you how to fill them.
To simplify explanations, we assume that you have a policy known as Homeowners-3 (HO-3), the most common homeowner’s policy in the United States. Find out what type of homeowners policy you have. If you have a different policy, you should review your options in question #17.
Question # 6: What if water seeps into my foundation or basement from the ground, am I covered?
Answer: No. Water seepage is excluded under the HO-3. And if the water seepage is not due to a flood you will not be covered under a flood policy. Seepage is viewed as a maintenance issue and is not covered by insurance. You should see a contractor about waterproofing your foundation or basement.
Okay, our next post of common questions asked will be Question # 7: Am I covered for earthquake damage.A current concern if you have enough protection for your home – call us.
EMERGE INSURANCE AGENCY