How does storm water get from a Syracuse street into a house?
Storm water enters a house at the lowest opening it can reach, such as a door sill, a bulkhead, a window well or a foundation crack. When the street cannot drain fast enough, water runs over the curb and seeks that opening.
A street is built to shed water toward its drains. In a heavy storm the drains can fill, and the water then runs across the surface to the lowest point. A house on that lower ground takes the water at whatever opening sits lowest, and the route can be as short as a few steps from the curb to the door.
A local news guide to the city's flash-flood spots describes intense storms that push water over the curbs in this way. The guide is a useful picture of the problem, though its account is not a survey, and the crew's reading of each property is the only reliable record of what entered it.
What happens when an underpass fills with water?
Underpasses are the low points of the road, so they collect storm water first. A local news guide says intense storms fill some Syracuse underpasses to windshield height, and the water that spills from them can reach nearby buildings.
Water in an underpass does not stay in the underpass. When the level rises above the curb or the adjacent ground, it runs out to the streets and yards nearby, and the buildings closest to the spill take the water at their lowest openings.
The owner of a building beside a low road should not assume the water came from the road alone. The crew checks the yard, the drains and the entry points, since the water may have come across the ground rather than straight from the road.
What should I do with the water and the debris that came in?
Remove the water first, then take out the silt and debris that came in with it. Road water carries grit, oil and organic matter, and those residues need to be cleaned from the floor and the sill before drying begins.
Street water is not clean. Its residues settle on the floor and into the bottom of walls, and they can leave a film that holds moisture. The crew cleans the floor and the sill with a detergent and then treats the surfaces, so the drying is not working against a layer of residue.
Debris such as leaves, plastic bags and road grit should be collected and kept for the crew to see, since its type and amount help show how the water arrived and how deep it ran.
- Standing water pumped out, with pumps placed at the lowest point
- Silt and road grit shovelled out before the equipment runs
- Floor and sill cleaned with a detergent and then treated
- Wall base read at several heights near the entry
- Debris photographed and kept for the record
How can I keep street water out next time?
A homeowner can reduce the risk by keeping the window well and the yard drain clear, by checking the grade near the entry and by planning temporary barriers before the next storm. Some measures need a contractor and a permit, and the local office should be asked before any change to the grade.
Clear the window well of leaves and debris after every storm, and check that its cover is in place. Keep the yard drain or the catch basin near the house free of leaves, so that water can run toward the drain rather than to the door.
Temporary barriers, such as boards or sandbags placed from dry ground, can hold back shallow water at a door or a bulkhead. A larger change, such as regrading the yard or fitting a backflow device, should be planned with a contractor who knows the local rules and with the office that issues permits.
What does the insurer want to know about street water?
The insurer will want to know where the water entered, when it was first seen and whether it came from the street, the yard or a drain. Standard policies often treat surface and flood water differently from a sudden internal event.
Ask the insurer to explain how it treats water that comes across the ground or up from a drain, since the policy terms decide the claim. Many standard homeowner policies exclude flood water unless a flood policy or endorsement is held, and drain backup is often handled separately.
Keep the crew's note, the photographs and the readings. The New York State Department of Financial Services is the state regulator for insurers, and a dispute about the handling of a claim can be raised there.