During the heavy rains that we face often in Los Angeles area, the basement flooding problems start arising. That are range of options that homeowners can use to try and reduce their risk. Backwater valve installation is just one of the ways in which you can do so. Backwater valves stop waste water from flowing back into your home from the sewer and storm water drains. In some cases this is enough to protect you from future problems, while in others you might need to take additional steps. But what does this mean for you financially? Well, it can save you quite a bit, actually!
Better Insurance Cover
Flooding happens. We know it, you know it. During Los Angeles’s spring showers, it’s a regular event, and insurance companies also know it. Because of that, homeowners’ insurance for Los Angeles typically covers damage caused by only certain types of flooding. And the way insurance works, if you’re under-insured you could get back less than you need to cover a claim. A standard homeowners’ insurance policy doesn’t include cover for flood damage caused by conditions originating outside the home, which means you aren’t covered unless you take out special flood insurance protection.
Lower Premium Payments
Since flood damage insurance is a separate policy, getting the cover you need could be pretty expensive.
- This is an additional premium you have to pay over and above your existing insurance.
- Without a backwater valve installation, either your flood damage insurer is going to hike your premiums, or
- Your cover is going to be compromised, as we spoke about earlier.
So you need comprehensive insurance that covers your home for every possible situation and doesn’t contain a whole list of exclusions, and getting a backwater valve installation means you eliminate one of the insurers’ favorite exclusions and non-payment tactics.
Reduce Flood Damage Costs
And then, there’s the cost of repairs. Even if you have the right insurance policies, there are hidden costs that no amount of insurance can make up for. The inconvenience of basement flooding, for example, includes having no access to your basement while you get it cleaned out and repaired. The cost of storage for whatever you can salvage while repairs are being done. The loss of items that have sentimental value, such as
- Old photographs, books and music
- Mementos from your children’s baptism or first day at school
- Your mother’s wedding dress
All the items we typically store in the basement, which are irreplaceable with any amount of money!
Don’t do this to yourself and your family!
Get your local plumber in Los Angeles to do an inspection before the Spring rains begin. Check whether your backwater valve installation is in good condition, if you have one. If it needs attention or you don’t have one at all then schedule your backwater valve installation well ahead of time.