BASEMENT FLOODING IS OUR MOST COMMON INSURANCE JOB
Posted on : 01-10-2011 | By : admin | In : flooded basement
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One problem I have been running into lately is flooding in basements, which is caused by the home’s downspouts being connected to the drain tile around the house. This is a practice that has been banned by cities for many years, but I find that many older houses are still have their downspouts hooked up to the drain. The drain tiles can handle small amounts of ground water after a rain. Rain of two inches or more is what causes problems. If your downspouts are directly connected to the drain tiles you can get 59,568 cubic inches of water down there. That turns out to be about 255 gallons. It only takes a couple of gallons remaining on a carpet to cause a moldy mess.
When the homeowner finds that he has water and mold doing damage in his basement, if his downspouts are not hooked up to the drain, the problem is usually caused by basement leaks which are waterproofing issues. The homeowner may contact his insurance company, and the first thing that needs to be done is get rid of the water. This seems to be done mostly by janitorial services that use floor vacuums to suck up the water. Then they remove the carpet and fan-dry the area. There are some other small tricks they can use to make the jobs bigger, but that depends on the company. The home owner can save a lot of money doing this part using rented tools.
I get complaints from home owners about this process, because when they get the insurance payment for this claim, there is no money left to buy new carpet or furniture, or fix mold damage or fix the actual cause of the water leak which can be several things. Insurance companies seem to be paying a flat rate of $5000 for the entire job and the vacuum guys get most of it because they are there first, and that seems to be the only reason.
House insurance companies are not really selling flood insurance any more. You may be able to buy additional insurance to increase the $5,000 to $10,000 but that is all you can do right now. That may disappear pretty soon too. I read recently that insurance companies in Florida are in the process of raising the rates from around $1500 to $7500 per year with no warnings. Of course flooding would not be a covered item.
In the flooded basement situation, we usually start after it is dry. We remove any drywall, insulation, and molding that was wet and moldy. We do the waterproofing. Then we sanitize the floors and walls. The owner orders new carpet and furniture.
The bill for everything from waterproofing to furniture costs three times the vacuuming in the beginning. The total cost can be from $10,000 to $20,000 in a 1500 foot house. That is why I say to try to do the easy part yourself in the beginning.



