Wayne County, NC
What floods houses here, and what the policy answers for.
Hurricane is what floods houses here, and that water is outside the homeowners policy.
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Wayne County, measured
Rising water is not the local risk. What comes out of the plumbing is.
Open windows bring water in rather than out. Drying here is equipment, not air.
Rare, but the clause still applies: heat on, or water off and the system drained.
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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