A resource for folks living in or moving to Los Gatos, by Mary Pope-Handy

Heavy rains, sump pump failures, flooding and insurance

Beware!Our much needed heavy rains have come at last.  A bucket in my backyard has collected more than 6 inches of water in just a few days.

Rain is collecting in other places, too.  Sump pumps are common in Los Gatos – particularly if your home is on or near a hill.  Most are run on electricity only.  Some have battery backups so that they keep working when the power fails.

But what if the sump pump malfunctions and stops working?  It may result in water accumulating in a crawl space.  Or if the sump pump aims to keep a basement dry, it could end up flooded.

What I’m learning this week is that sump pump failures are not covered by home owner’s insurance unless there’s a special rider or endorsement attached.  (And a home warranty won’t cover the sump pump failure if they determine that it was installed incorrectly.)

If you have a sump pump, it’s important to keep it clear of debris and perform maintenance so that it doesn’t give up the ghost when you need it most.  If that sump pump is protecting living space especially, please talk to your insurance agent about adding a rider and whether that makes sense for you and your specific property.    Lastly, please consider upgrading the sump pump to one with a battery backup, too.

Here are a couple of related articles fyi:

Beware of These Common Holes in Homeowners Insurance Coverage (US News article)

Will Homeowner’s Insurance Cover Sump Pump Failure? (Article on Zack’s)

Mary Pope-Handy's Valley of Heart's Delight logo

Mary Pope-Handy

Sereno Group Real Estate
214 Los Gatos-Saratoga Rd
Los Gatos, CA 95030
408 204-7673
Mary (at) PopeHandy.com
License# 01153805

Selling homes in
Silicon Valley, with
special focus on
Los Gatos 

and nearby areas,
Monte Sereno,
and the San Jose areas of
Cambrian and Almaden Valley

Helping Nice Folks to
Buy & Sell Homes
in Silicon Valley
since 1993


Privacy Policy

Mary's other sites
and blogs

ValleyOfHeartsDelight blog
Santa Clara County Real Estate,
especially the West Valley areas
*Main BLOG*

Silicon Valley relocation info

Los Gatos real estate
Silicon Valley real estate,
focus on home selling

Gateway to Mary's other sites, info on Mary Pope-Handy's listings

The Real Estate Report
Statistics and trends for Santa Clara County, San Mateo County, and Santa Cruz County - updated monthly

Let's Connect

About the real estate search:

Use the widget below to browse properties which are for sale, under contract (pending) or sold. Want to view only homes which are available now? Use the "find a home" link on the menu above (next to the "home" button).

Search real estate listings

Looking for content on just a certain topic? Use the pull down menu below to search by category.