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OK, I have to admit, there was an entirely different verbal reaction to waking up this Sunday morning to a flooded basement.  My husband put on his boots and went down to the basement to look over the wet situation and see what he could do.  Unfortunately, the water level increased and he decided it was beyond a do-it-yourself situation.  So we put a call into a plumber and since it was a Sunday and had rained  last night, the plumbers in our area were pretty busy.  Luckily, as the office manager of Arlington Agency, I had the home number to one of our contractors.  Thank goodness she put in some calls to her coworkers and was able to get us help sooner.

Now you would think that since I have over 30 years insurance experience and personal lines insurance is my speciality I would have adequate coverage.  Well let me tell you the same thing I have heard over and over from our customers and you may have even said your self "I have lived in this house for over 20 years and never had a Water Back Up".   So while I do have Water Back Up Coverage, which is an option, I am afraid that the coverage will not be enough.  The water is not only on my unfinished side of the basement, where my washer and water heater are sitting in standing water it is also on the finished side of my basement, soaking carpet, tiled floor, paneling, furniture and on and on.  Why didn't I purchase a higher limit of coverage?  The answer is the same for me as it may be for you, "I did not think I would need it."  Why?   Because it never happened before.  Hmmmm, isn't that what insurance is for?  To protect you from unforseen occurrences.  The truth is I have thought numerous times about increasing the limit on my Water Back Up Coverage, but I thought I would never have this bad of a problem.  Too late now.  I gambled and lost.

I will think positive.  It could have been worse.  I might not have any coverage at all.  At least I have $5000 in coverage and my insurance company Frankenmuth Insurance, covers clean-up and damage to personal property including furniture and appliances.  Do you have coverage?  If so, what is your limit?  Does your company cover damage to personal property?  Ask these questions now before you have a loss.  Your policy is the best source of coverage information. 

Follow our blog and I will continue to discuss the claim and repair process from my own personal experience. 

Questions, call Arlington Agency 734-462-9650.
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