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One4OU
9/23/2010, 05:35 PM
I need help. Basement flooded last Saturday. Insurance adjuster is coming out and I freaking out whether I am covered or not.

I do have sump pump on my basement. We did not lose power. As far as I know the pump was working. I do have a back up of sewer and drain rider on my policy.

My basement is ruined, furniture is ruined, and I'm sick over if I'm goin to be covered or not.
StoopTroup
9/23/2010, 05:56 PM
Take a deep breath. You're gonna be fine. It's just stuff.

If they give you a hard time have your policy reviewed by someone.
olevetonahill
9/23/2010, 06:26 PM
I think its gonna come down to what caused the flooding . If it was a backed up/broken line you should be ok . If its weather related and If ya dont have Flood Insurance Ya may be SOL
StoopTroup
9/23/2010, 06:41 PM
Also...anything that is broken....go throw it down there. ;) :D
GKeeper316
9/23/2010, 07:10 PM
Also...anything that is broken....go throw it down there. ;) :D

fraud is a felony...
StoopTroup
9/23/2010, 07:16 PM
fraud is a felony...

Only if he has a claim....if he did it before he knew he had a claim....lol
OUinFLA
9/23/2010, 09:43 PM
My daughter used to live in Lincoln. Family went home to Okla for Christmas, 2 weeks. Got back and discoverd 4' of water in their basement. Washer hose broke. Fully covered, had to move out for 4 weeks. Did learn to turn off the washer supply when leaving town after that.
Oh, they had a heck of a water usage bill too. :)