What floods houses here, and who pays.

Around here it is coastal flooding, and a homeowners policy does not answer for that water.

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

Somerset County, by the numbers

44.9%of homes here sit in the mapped flood zone, and most of those carry no flood cover

33.8%of the homes inside that zone hold a separate flood policy. It starts 30 days after purchase

70°FJuly dew point. Opening a window here adds water to the house instead of removing it

10days a year at or below 20°F. Rare, and the heat-on condition applies anyway

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.

Towns in Somerset County

(888) 217-5329 Talk to a contractor