water leak into diing room from recent storm with heavy rain

Posted: Wed Nov 10, 2010 09:26 pm Post Subject:

Probably not by a home owners policy. If the water "seeped" into the home its considered flood and excluded from the home owners policy. You'd need to have flood insurance.

If the water entered because of other damage to the home, such as a damaged roof... then it would be covered. It does not sound like this was the case.

Also, mold does not happen over night. Sounds like water flooded into the home and not much was done to correct the damage. Mold is also excluded from the home owners policy.

Posted: Thu Nov 11, 2010 04:37 am Post Subject:

Even the NFIP flood policy is unlikely to be of any value in this OP's case. Here's the definition that the NFIP uses:

A flood is “A general and temporary condition of
partial or complete inundation of two or more acres
of normally dry land area or of two or more
properties (at least one of which is your property)
from:
● Overflow of inland or tidal waters;
● Unusual and rapid accumulation or runoff of
surface waters from any source;
● Mudflow*; or
● Collapse or subsidence of land along the shore of a
lake or similar body of water as a result of erosion
or undermining caused by waves or currents of
water exceeding anticipated cyclical levels that
result in a flood as defined above.”

Overflow from the flowerbed is not a general inundation of normally dry land. The OP could have constructed a drain in the flowerbed to carry away excess surface water. That which seeps up from under the foundation is even less likely to be covered.

And speaking of mold, as tcope does, the NFIP policy will not cover mold if there was anything the homeowner could do to prevent or mitigate the growth of the mold.

Visit www.floodsmart.gov for more information on the National Flood Insurance Program.

Posted: Thu Nov 11, 2010 06:04 am Post Subject:

I guess there are very few occasions that mold gets covered these days.

hat which seeps up from under the foundation is even less likely to be covered.

Posted: Thu Nov 11, 2010 06:07 am Post Subject:

I guess there are very few occasions that mold gets covered these days.