More Leaking Issues in the house

[brooketx]

What is the name of your state (only U.S. law)? Texas

I posted awhile back about my doors leaking. Well we ended up pulling up half of the floor until we get the leak fixed.

Well we had a lot of heavy rain come in last night and we saw rain come in from under the baseboards (we have a sunken in living room). We don't have a roof overhang or soffett. The rain was coming in on the outside wall from the ground area outside. I don't think it was dripping from the roof down, but that it possibly collected on the ground and there is obviously an entry way somewhere.

Also I could have sworn that in random places on the foundation (like in the middle) there were just random spots of water. My husband swears the dog's pottyed (but I don't think so). It also could have been from where the rain seemed in and it dried in some areas and not the others...and there were random spots.

I know the door leaking is not homeowner's, but what about the water coming in from the side of the house?

TIA!

[Banned_Princess]

Originally Posted by brooketx

What is the name of your state (only U.S. law)? Texas

I posted awhile back about my doors leaking. Well we ended up pulling up half of the floor until we get the leak fixed.

Well we had a lot of heavy rain come in last night and we saw rain come in from under the baseboards (we have a sunken in living room). We don't have a roof overhang or soffett. The rain was coming in on the outside wall from the ground area outside. I don't think it was dripping from the roof down, but that it possibly collected on the ground and there is obviously an entry way somewhere.

Also I could have sworn that in random places on the foundation (like in the middle) there were just random spots of water. My husband swears the dog's pottyed (but I don't think so). It also could have been from where the rain seemed in and it dried in some areas and not the others...and there were random spots.

I know the door leaking is not homeowner's, but what about the water coming in from the side of the house?

TIA!

Any water that damages your home, that comes from the ground, or off the ground, or hits the ground before damaging your home is Flood Insurance, as ground water is flood water. You will have to buy a FEMA flood policy. That will not cover your current damage.

[moburkes]

Originally Posted by Banned_Princess

Any water that damages your home, that comes from the ground, or off the ground, or hits the ground before damaging your home is Flood Insurance, as ground water is flood water. You will have to buy a FEMA flood policy. That will not cover your current damage.

Not quite true, but the OP gets the idea. Flood insurance doesn't cover all water from the ground. Specific "things" have to be met:

A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

So, if only this persons land is inundated, but not the neighbor's, then flood insurance doesn't cover it. Also, if they've got an HO5, it could be covered. But, since OP started a new thread instead of adding to the original one, I don't know what type of policy OP has.