Will Insurance Cover Flooded Basements in Greenville PA?

12/23/2019 (Permalink)

Don’t be the one that says it has never happened to me yet, I don’t need to think about it…

Northwest Pennsylvania has been hit with many thunderstorms in 2019. With all the rain in the area, SERVPRO has performed a variety of storm damage restoration services for homes and commercials properties in Mercer and Lawrence County. In fact, our number one call is for sewer and drain backup and flooded basements.

One of the first questions we will ask when we are called to service a flooded basement is, “Do you have sewer and drain back up coverage?” Sad to say, many homeowners do not know whether they have adequate coverage or not. For this reason, we recommend that all property owners ask their insurance agent whether they have sewer and drain backup coverage.

BENEFITS > COST

The cost of this coverage is minimal compared to the cost of mitigation services. In fact, sewer and drain coverage can be as low as $100 a year, less than $10 a month. The average cost of mitigation on a sewer and drain backup is around $3,500 (depending on whether you have a finished basement or not).

Many carriers have differing amounts of coverage starting at $5,000 and going up from there. Talk with your agent about what is the best level of coverage for your home or business. Think about it... you have water in your basement and you don't have the coverage that will return your property to preloss condition. It is possible you will have to pay upwards of $3,500.

PREPARATION = PEACE

Think about the peace of mind that comes with having comprehensive coverage. SERVPRO has restored the homes of customers that have had coverage and customers that have not had coverage. Which customer do you think is the calmest and most thankful? You got it - the one with sewer and drain backup coverage.

So, ask your agent today about whether your plan includes sewer and drain backup! With the number of thunderstorms that occur in our area, you never know when you’ll need it.

Don’t be the one that says it will never happened to me, I don’t need to think about it… Because we have heard that statement time and time again, and it has cost customers a substantial amount of money in the long run. 

Preparing for the unexpected increases your chances of being ready for whatever happens!

Check your policy for your property's level of emergency preparedness and if you should ever need our help, know we are here for you 24/7, 365 at (724) 704-8939.