What floods houses here, and who pays.

Nothing outside stands out here. What floods these houses comes out of the plumbing.

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Storey County, by the numbers

15.5%of homes here sit in the mapped flood zone, and most of those did buy flood cover

47.9%of the homes inside that zone hold a separate flood policy. It starts 30 days after purchase

38°FJuly dew point. Air dries materials fast here, which is how a slow leak stays hidden

27days a year at or below 20°F. Cold enough that the heat-on condition decides claims here

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