[sannysw]

Does anyone know if the typical home insurance in CT here cover hurricane damage, such as flooding, or if the tree falls down and damages the roof, etc? I don't have the copy of our policy here, and wonder what is typical.. We didn't buy separate flood or hurricane insurance.

[JayCT]

It depends on your policy. As I understand it, if there is damage from above (trees, roof leak, etc.) it is covered. If the damage from below, basement flooding, sewer backup, etc.) it may not be covered. You do though need to check your policy. Jay

[Konig1985]

Originally Posted by JayCT

It depends on your policy. As I understand it, if there is damage from above (trees, roof leak, etc.) it is covered. If the damage from below, basement flooding, sewer backup, etc.) it may not be covered. You do though need to check your policy. Jay

I assume its not covered. =(

[OhBeeHave]

Originally Posted by JayCT

It depends on your policy. As I understand it, if there is damage from above (trees, roof leak, etc.) it is covered. If the damage from below, basement flooding, sewer backup, etc.) it may not be covered. You do though need to check your policy. Jay

That's sort of what my policy states. I gave a 5% wind deductible.

[JViello]

Flooding from rain, most times no. Like 99% of the time. Sorry.

Broken pipe, roof damage etc yes. So if you flood, pray a tree crashes on your house as well.

[RebeccaLeigh]

Overall most insurance policies in CT cover wind, if you are alond the shore you will most likely have a wind deductible that is a % of your dwelling coverage, for ex. if your home is covered for $100,000 and you have a 5% wind deductible then you would pay the first $5,000, if you are inland you will most like just have your regular deductible.

As for damages covered, flood is not covered under any home policy it has to be purchased seperatly, however water damage that occurs because of wind damage, like a broken window, or a hole in the roof is covered, and thats pretty much standard. Same if a tree falls on your house. With water it all depends on what the initial cause is.

as a note you should have your insurance company's claim number on hand, and it is also a good idea to take pictures of the rooms in your house and any more expensive items as reference should your home be damaged.

[DawnMTL]

Originally Posted by JViello

So if you flood, pray a tree crashes on your house as well.

HA!! Love it! Or, um, cause a tree to crash?

[Stylo]

I have mandatory hurricane coverage due to proximity to sound, but I believe the deductible is pretty high. Hoping for no damage.

[JViello]

Originally Posted by DandJ

HA!! Love it! Or, um, cause a tree to crash?

Wuznme...I swear, I'm just cutting up the leftovers.

One other thing to note, that if water damage is caused because of a power outage from say a sump pump not working, that's covered.

I have a feeling Rebecca has some form of dealing with insurance companies like me.