What floods houses here, and who pays.

Around here it is winter storms, and the frozen-pipe clause has a condition attached.

(888) 217-5329 Talk to a contractor

Goes to an independent contractor. Nothing is booked until you say so. Calls may be recorded.

Fairbanks North Star Borough, by the numbers

5.6%of homes here sit in the mapped flood zone, and most of those carry no flood cover

26%of the homes inside that zone hold a separate flood policy. It starts 30 days after purchase

174days a year at or below 20°F. Your policy covers a frozen pipe only if the heat stayed on

A cardboard box being lifted from a wet floor onto a dining table with other boxes already raised — Height beats distance. Dragging a soaked rug through three dry rooms turns one wet room into four.

The line people find out about too late

A homeowners policy answers for water that escapes suddenly inside the house: a pipe, a hose, a water heater, an overflow. It does not answer for water that rises from outside. That is flood, it is bought separately, and cover starts 30 days after purchase.

It also does not answer for a leak that has been weeping behind a wall for a year, and the mold that came with it is excluded on the same reasoning.

(888) 217-5329 Talk to a contractor

Goes to an independent contractor. Nothing is booked until you say so. Calls may be recorded.

(888) 217-5329 Talk to a contractor