Putnam County, WV
What floods houses here, and what the policy answers for.
Nothing outside stands out here. What floods houses comes out of the plumbing.
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Putnam County, measured
Most of them carry no flood cover at all, and a homeowners policy never does.
Flood cover is bought separately through NFIP and starts thirty days after you buy it.
Airing out works some days and works against you on others. A meter settles it.
Cold enough that the policy clause about keeping the heat on decides claims here.
Homes of this vintage may carry polybutylene supply, which fails along the pipe itself.
The line most owners find out about too late
A homeowners policy answers for water that escapes suddenly and accidentally inside the house — a pipe, a hose, a water heater, an overflow. It does not answer for water that rises from outside, anywhere in the country. That is flood, it is bought separately through NFIP, and cover starts thirty days after you buy it.
It also does not answer for a leak that has been weeping behind a wall for a year. That is a gradual loss, and the mold that came with it is excluded on the same ground.
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