Post Content

Undersecretary Barbara AnthonyPosted by:
Barbara Anthony, Undersecretary of the Office of Consumer Affairs and Business Regulation

Once again, we are getting an epic rainstorm here in Massachusetts, and already-waterlogged residents need to be prepared for another round of flooding. While flood insurance is often the last thing on our minds, these past few storms have reminded many homeowners why coverage for water damage is essential. 

Categorizing the damage from flooding is necessary in understanding your coverage. Determining where the water came from can be the defining difference between being insured or left to fend for yourself. A standard homeowner’s policy will usually cover damages from fallen rain, like leaks in the ceiling or walls, as well as basement flooding due to sewer or drain backups.

Most people run into trouble with coverage when damage is caused by rising waters from the ground, the true definition of flooding. Flooded basements due to rising water levels is a case in which you will need special flood insurance that can only be provided by the government through the National Flood Insurance Program. Visit the Division of Insurance’s website for more information about the program.

As the rain continues, the most important step is reading and understanding your policy. If you have questions about your coverage, call your insurance agent before it is too late. For most homeowners, flood insurance will be inexpensive and easy to acquire and if you find yourself with water damage after this next round of rain, you’ll be glad you’re covered.

Many homeowners take a look at this issue only when a storm causes a problem in their home. This recent stretch of wet weather should be a reminder for even those with dry basements this week to check their policies and make sure they have the kind of insurance they feel is necessary for their home.

Written By:


Jayda Leder-Luis is the Communications Coordinator at the Office of Consumer Affairs & Business Regulation.

Recent Posts

IRS Scam Alert: Don’t Be Tricked into Paying Debts You Don’t Really Owe posted on Oct 3

IRS Scam Alert: Don’t Be Tricked into Paying Debts You Don’t Really Owe

Recently, the Hotline received three calls about this scam in just one week, so it is important for consumers to know how it works and how to avoid being scammed.

Massachusetts Health Insurers Now Required to Provide Prices in Real-Time posted on Oct 1

Starting October 1, health insurance companies in Massachusetts must provide online cost estimator tools for their members to compare the price and out-of-pocket costs of certain healthcare services, procedures, or hospital admissions.

Can’t pay your phone bill? Stay connected with telephone assistance posted on Sep 10

Staying connected to local resources and emergency services can improve and possibly save many lives, say state regulators. Access to local emergency services and community resources is vital to our low-income and elderly residents. The Massachusetts Department of Telecommunications and Cable (DTC) wants residents to   …Continue Reading Can’t pay your phone bill? Stay connected with telephone assistance