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Hello and thank you for joining me David Galarza here at the David Galarza insurance agency. Today I'm going to talk a little bit about misinformation. A lot of individuals think that homeowner's covers more than it really does.
Now homeowners is very good to have, it's mandatory to have, so you have to have it but there are things that come along with homeowners and homeowners policies that have to be actually added and the information on those endorsements need to be provided to the consumer so that they make well-informed decisions.
Unfortunately this was in the case for one of my friends, actually a relative, which is I wish they would have asked me, but in any case a couple of months back it was raining a lot this year. 2018 actually last year was raining a lot no harm no fail. These things happen, a relative of mine was upstate New York having a grand old time. They were over at the Finger Lakes enjoying their wine tasting and the wine country out there, very beautiful you know.
We've been having rain, nothing of the ordinary. They have a sump pump, pump some water out. They thought they were fine with that, no biggie. Full finished basement, probably $60,000 down there you know, really nice, really nice. So they come home, they're excited they had a great time you know. They drank their wine, they (played with their they play with their friends) drank with their friends and had a good time and they're getting home. So they go, no problem, let the dog out, everybody's happy, getting your stuff down for whatever reason a breaker went. So I went down to the basement to check to see what was going on. As soon as he opens the door there's water on the ground. Just like oh my God!, what happened here? Something definitely happened, this is unbelievable, so he goes through his son father and it's his overflowed. The water's coming out of it. Oh my God!, he's like "it's a good thing I have homeowners insurance". Let me give him a call.
Happy as can be thinking he's fully protected, he picks up the phone "hey I had a catastrophe over here got water coming up!", took down the information, then gave the information to the claims rep. Claims rep handled everything. Had the adjuster out the next day, great service! The adjuster comes, looks around, notices that the electricity had actually got out and caused us some pump to fail and it backed up.
So at that point, you are no longer covered my friend, because you do not have the endorsement of sewer or drain back return. Now what that means, is if the sewage in the in the community backs up into your home or one of your own drains back up into the inside of your home that is not actually covered unless you have this endorsement. The endorsement itself is really not that expensive, you know, between five and twenty dollars a month extra very not that very inexpensive and something they should definitely have.
Please don't be like my relative, make sure you're asking your insurance even more questions on what's covered on the policy on a homeowner's policy and what's not. You don't want to be sitting there scratching your head saying why did this happen to me because it happens to a lot of people.
And I'm here to help you. You have any questions feel free to give us a call any one of my team members would be able to assist you with any of your concerns or questions.
Thank you again for joining us you have yourself a good evening I hope to see you again! Take care!
David Galarza
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