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Flood Insurance & Flooring: Check Your Policy!

Insurance Companies Are Covering Floods Less and Less. Are You and Your Floor Prepared?

Ken's Quick Answer:

Homeowners should take a minute to review their policy and make sure they're covered if their basement floods. As for your floor, porcelain tile is really the only product that can be considered 'flood-resistant.' Luxury vinyl plank is marketed as waterproof, but the reality is more complex than that.

Ken's In-Depth Answer:

Today, I want to talk to you about climate change and flooring. What?! What does climate change have to do with flooring?

Think about your basement. We're seeing more and more flooded basements today because of extreme weather. This is true all over the country.

Many people aren't too worried. "At some point, I may have a flood in my basement, but I have an insurance policy. I would be taken care of."

The insurance business is changing. Insurance policies are covering basement floods less often!

Flood? Get a Free Measure & Quote for a New Floor

I recommend that most homeowners should take a closer look by reading through their insurance policy. Understand what's covered and what isn't.

When it comes to flooring, here's something to remember. The only flooring that is really resistant to a flood in the basement is porcelain tile. I know it's more expensive than other alternatives. But if you think you're going to be underwater, think about porcelain tile so you don't really go underwater.

Other types of flooring, including luxury vinyl, may be marketed as waterproof. The reality is that water can still get under that type of floor and possibly sprout black mold. If that happens, who cares if the product itself is waterproof?

If have any questions about floods or insurance and flooring, don't hesitate to give us a call at 401-214-0285 or visit our showroom. We serve customers throughout Rhode Island and southeastern New England, including Newport, Middletown, Jamestown, Portsmouth, Bristol and more.

Ken Fain smiling and wearing a green and yellow collared shirt

About Ken: Ken Fain is the co-owner of Island Carpet in Middletown, RI and a floorcovering veteran of more than 40 years. His popular 'Ask Ken' video series answers common flooring questions on a variety of topics. It has reached thousands of viewers on both YouTube and Facebook.

Ken Fain wearing collared shirt and a Great Dane

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