Basement

Does flood insurance cover a flooded basement if a water pipe burst in the basement, not because of rain?

Jul 022011

why basements flood pipe burst does State Farm homeowners insurance cover flooded basement

For Home Owner Insurance purposes, is an unfinised basement included in total square footage of the house?

Jun 222011

Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even though the home inspector from Allstate did not know I had part of my house that is unfinished. I was not home at the [...]

Crack in basement wall (underground) and does not leak. How can I fix this if selling house?

Buying Your Home 2 Responses »

Jun 212011

This is the house I grew up in, built in 1956. My sister and I are going to sell the house. This crack follows the mortar joints of the cinder-blocks, all the way across the house. There is no leaking and when I probe the crack (approx. 1/2″ wide) it seems to be solid, leading [...]

Will home insurance cover tree roots causing water to enter my basement?

Home Insurance 4 Responses »

Jun 122011

I live in montana, and tree roots have grown under my foundation and drawn up ground water, created a path for the water to follow, and separated my foundation from my footing allowing water to enter my basement. Will any home owner’s insurance cover this type of damage or repair? It is a city tree, [...]

Basement flooded at the house we rent. I do not have renters insurance – Landlord responsible in anyway?

Home Insurance 8 Responses »

Jun 102011

Our basement flooded last Monday when the storms hit the east coast. We were getting ready to move (for May) so I had the majority of my belongings packed in the corner of the basement. Half is ruined. Our landlord called to let us know Monday morning around 10am, we had all left to go [...]

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