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What is Covered by Flood Insurance

Did you know that about 90% of natural disasters in America involve flooding? You may believe that because you live in a low-risk area that you are safe. You may also believe that your standard homeowner’s policy can cover floods. However, the scary truth is that no one is protected from flooding, and your homeowner’s policy will not cover the damages.

Floods can happen anywhere and anytime.

It’s always better to be safe than sorry. We don’t want you to drown in finances because you were unprepared when a flood occurred.

So, here’s what you should know about flood insurance.

Flood insurance will cover the structure and contents of your home, and a separate policy can cover any outbuildings on your property.

Structural policies may cover:

  • Built-in appliances such as refrigerators.
  • Electrical
  • Plumbing
  • Foundation
  • AC
  • Carpeting

Content policies may cover:

  • Furniture
  • Clothing
  • Electronics
  • Small appliances
  • And other inventory

Make sure you take time to calculate an estimate of how much your items are worth, so you have enough coverage for each.

Just like any other insurance policy, there are limitations to what it can cover. Here are some examples.

  • Mildew damage that could’ve been prevented.
  • Damage to cars or other vehicles.
  • Outside damage (trees, decks, flowers).
  • Damage caused by seepage.
  • Select items in basements or lowest floor.

It is important to note that there is usually a month-long waiting period before your actual policy will go into effect, but there are a few exceptions.

Remember, no one is totally safe from flooding. Even if you do not live in a high-risk area, floods are still possible. Don’t make a mistake many regret; protect yourself with flood insurance.

Contact us here or call us at (410)-742-5111 today for more information about flood insurance.


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