Flood Coverage In a Basement- Seepage -Yes or No?

Seepage -Yes!

Many homes may experience seepage into their basements after a season of snow or rain with ground saturation even though flood waters themselves did not enter the home. Damage caused by seepage, sewer backup, and hydrostatic pressure is covered by the Standard Flood Insurance policy.

1. When there is a flood in an area
2. When a flood is the cause of the seepage , sewer backup and hydrostatic pressure
3. When the basement meets the minimum standards of the NFIP

What is flood?

It is defined as a general or temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties( at least one of which is your property). A street may be considered a property when homes are not located within a reasonable distance from each other.
Basement- what is the definition?

A basement is an area of a building having its floor below ground level on all sides.  Flood insurance coverage is limited in basements. Damage in a basement may not be covered by flood insurance if it does not comply with the minimum standards of the National Flood Insurance Program.