Spring in Maine is often called “Mud Season,” because melting snow and heavy rains turn everything to muck. Spring brings not only mud, but water, and lots of it. Water can cause a lot of damage to your home. What is covered by homeowners insurance, and what isn’t? We’ll outline it a bit here, but please talk to your agent about limitations and more details.

If your roof leaks, damage to your ceilings and walls is covered, with limitations.

If a pipe leaks, damage is covered, with limitations.

If your basement floods, damage is NOT covered.

If your sump pump fails, damage is NOT covered.

If drain pipes back up, damage is NOT covered.

Here is the good news. Sump pump and water backup coverage is available as a simple addition to your homeowners policy, for a pretty low price. Call NOW before Mud Season!