Thomas County, KS
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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Thomas County, measured
Rising water is not the local risk. What comes out of the plumbing is.
Air dries materials quickly here, which is why a slow leak can hide for months.
Your policy covers a frozen pipe only if the heat was on, or the system was 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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