Basement Drying >> The Best Way To Fix A Wet Basement

Like relocation, demolition is very disruptive for the occupants of the house. Unless you decide to buy an existing house elsewhere, you must find a place to live and to store your furniture and The Best Way To Fix A Wet Basement belongings while your new house is being built. 

Permitting You or your design professional or contractor must check with local officials regarding permitting requirements for the necessary work. The Best Way To Fix A Wet Basement All permits for demolition,  including disconnecting and capping utilities and disposing of debris; new construction; and restoration of the old site should be obtained before the demolition process begins. 

The Demolition Process Tearing Down the Old House Your utility companies must first turn off all services to the house. Your demolition contractor will then disconnect the utility lines. The Best Way To Fix A Wet Basement If you do not plan to rebuild on the same site, the contractor will cap the lines permanently or remove them according to the requirements of the utility companies. 

Before demolition begins, environmental hazards, such as asbestos, must be abated in accordance with Federal, State, and local requirements. The Best Way To Fix A Wet Basement Usually, a demolition contractor will push the house down with a bulldozer and then dispose of the resulting debris as required by Federal, State, and local regulations. 

Restoring the Old Site If you areThe Best Way To Fix A Wet Basement  not rebuilding on the old site, it must be restored according to the requirements of local regulations. The Best Way To Fix A Wet Basement Site restoration usually involves demolishing and removing not only the house, but also any pavement, such as a driveway or patio; grading to restore areas disturbed by the demolition; and stabilizing the site with grass.

 If you rebuild on the site of your old house, your community’s floodplain management ordinance of law will not allow you to have a basement. The Best Way To Fix A Wet Basement If your old site included a septic tank or fuel storage tank, you may have to meet the requirements of environmental regulations aimed at preventing contamination of the groundwater. 

You may be required to drain and remove above ground and underground tanks, or you may have to anchor them to resist flotation. The Best Way To Fix A Wet Basement You may also be required to test the soil around an underground tank to determine whether leakage has occurred. As the homeowner, you will usually be responsible for cleaning contaminated soil if there has been any leakage from the tank. 

In this situation, you will need the services of a qualified geotechnical or environmental engineering firm. The Best Way To Fix A Wet Basement Local utility companies or regulatory officials can inform you about requirements concerning capping, abandoning, or removing various utility system components. Rebuilding 

Your construction contractor will prepare the site and build your new house according to the local building code and zoning requirements. The Best Way To Fix A Wet Basement If you are rebuilding on the original site, you must meet additional requirements of your communityÃÃÃÒs floodplain management ordinance or law. 

Therefore, as noted previously, the lowest floor of your new house must be at or above the BFE, and you will not be allowed to build a house with a basement. The Best Way To Fix A Wet Basement Depending on where you decide to rebuild, local utility companies may have to extend new lines into the site of your new house. Usually this is done before construction is completed. 

Your contractor will hook up the utility lines as part of construction. You may need the services of a design professional if specialized utility systems are required because of the location of your site, the type of house you decide to build, or the nature of the hazards at the site. The Best Way To Fix A Wet Basement Flood insurance covers direct physical loss caused by "flood.ÃÔ 

In simple terms, a flood is an excess of water on land that is normally dry. HereÃÒs the official definition used by the National Flood Insurance Program. The Best Way To Fix A Wet Basement A flood is "A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from.

Overflow of inland or tidal waters; Unusual and rapid accumulation or runoff of surface waters from any source; The Best Way To Fix A Wet Basement Mudflow; or Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.ÃÔ 

Mudflow is defined as "A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of waterÃÔ 
Three Important Facts About Your Flood Policy. The Best Way To Fix A Wet Basement A Standard Flood Insurance Policy is a single-peril (flood) policy that pays for direct physical damage to your insured property up to the replacement cost or Actual Cash Value (ACV)

(See "How Flood Damages Are ValuedÃÔ) of the actual damages or the policy limit of liability, whichever is less. The Best Way To Fix A Wet Basement Contents coverage must be purchased separately. 2. It is not a valued policy.A valued policy pays the limit of liability in the event of a total loss. 

For example:Your home is totally destroyed by a fire and it costs $150,000 to rebuild. The Best Way To Fix A Wet Basement If your homeowners insurance policy is a valued policy with a $200,000 limit of liability on the building, you would receive $200,000. Flood insurance pays just the replacement cost or ACV of actual damages, up to the policy limit. 3. It is not a guaranteed replacement cost policy. 

A guaranteed replacement cost policy pays the cost to rebuild your home regardless of the limit of liability. The Best Way To Fix A Wet Basement For example:Your home is totally destroyed by a fire and it costs $200,000 to rebuild. If your homeowners insurance policy is a guaranteed replacement cost policy with a $150,000 limit of liability on the building, you would receive $200,000. 

Flood insurance does not pay more than the policy limit. Choosing Deductibles Choosing the amount of your deductibles is an important decision. The Best Way To Fix A Wet Basement As with car or homeowners insurance, choosing a higher deductible will lower the premium you pay, but will also reduce your claim payment. 

You can normally choose different deductibles for Building Property and Personal Property coverage. The Best Way To Fix A Wet Basement The deductibles will apply separately to Building Property and Personal Property claims. Your mortgage company can require that your deductible is no more than a certain amount. 

Review the Declarations Page in your flood insurance policy for amounts of coverage and deductibles. The Best Way To Fix A Wet Basement Talk with your insurance agent, company representative, or lender about raising or lowering deductibles.

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