Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 6, Issue 8April 2011


Understanding Your Flood Coverage

In spring, a homeowner's thoughts too often turn to flooding. Before you find your basement full of water, you should be clear about the coverage you have for water damage to your home. Insurers define flooding as "the intrusion of surface water from an external source," and your homeowner's insurance does not cover flooding. So, for example, if water from your yard flows in through your basement windows, you are not covered for the damage. Homeowner's policies also do not usually cover damage from water that seeps into your home from cracks in your foundation. For these kinds of coverage, you need flood insurance. However, policies usually do cover water damage from storm or sanitary sewers that back up through your drains.

If you end up with water in your basement this spring, or any time, we can help provide you with resources to determine the causes of your flooding and the names of reliable cleanup companies who can help you get things back to normal. We also can help you review your coverage options. Contact us at 847-572-0800 or

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