Fresno County, CA
What floods houses here, and what the policy answers for.
River flooding is the local event, and a homeowners policy does not answer for it.
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Fresno 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.
Frozen pipes are not the local story. Supply lines and appliances are.
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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