Basement flood insurance provides coverage for damages caused by water or sewage backup. It’s essential to understand the waiting periods associated with basement flood insurance before purchasing a policy.

Waiting Periods:

• 30-day waiting period: Coverage for water damage begins 30 days after the policy’s effective date.
• 14-day waiting period: Coverage for sewage backup begins 14 days after the policy’s effective date.

During these waiting periods, you won’t have coverage for water or sewage damage in your basement, even if you have a covered peril that causes the damage.

What to Do During Waiting Periods:

• Stay cautious: Avoid activities that could cause water or sewage backup, such as using a washing machine or running a dishwasher.
• Inspect regularly: Check your basement for any signs of water or sewage leaks.
• Contact your insurer: Report any leaks or potential hazards to your insurance company promptly.

Can I Shower if My Basement is Flooded?

No, you should not shower if your basement is flooded. The water or sewage may contain harmful bacteria or contaminants that could pose a health risk.