Water damage - is it flood or is it sewer back up? Is it a broken pipe or appliance? It can make a big difference on whether or not your insurance will step up to help with the cost to repair or replace damage.

Flood insurance is not usually carried for homeowners because it is considered to be a overflow of a stream, river or lake. This does not include seepage into your basement, rainwater running into a basement window or sewer backup which are the more likely claims.

It is recommended that if you can purchase flood insurance, then you should. Water damages your walls, the furniture, and the resultant mold can be a true health hazard.

Always check with your broker as to what coverage is available. Turners Tips recommends that you take control of your insurance and do not let circumstance control you.