Greater Bridgeport Planning Region, CT
What floods houses here, and what the policy answers for.
Hurricane is what floods houses here, and that water is outside the homeowners policy.
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Greater Bridgeport Planning Region, measured
Most of them carry separate flood cover. A homeowners policy never does.
Flood cover is bought separately through NFIP and starts thirty days after you buy it.
Airing out works some days and works against you on others. A meter settles it.
Cold enough that the policy clause about keeping the heat on decides claims here.
Housing this old often has galvanised steel supply, which closes up from the inside.
The line most owners find out about too late
A homeowners policy answers for water that escapes suddenly and accidentally inside the house — a pipe, a hose, a water heater, an overflow. It does not answer for water that rises from outside, anywhere in the country. That is flood, it is bought separately through NFIP, and cover starts thirty days after you buy it.
It also does not answer for a leak that has been weeping behind a wall for a year. That is a gradual loss, and the mold that came with it is excluded on the same ground.
Connects you with an independent contractor about new work. Calls may be recorded.