What Flood Insurance Does and Doesn't Cover.

What Flood Insurance Does and Doesn’t Cover.

How flood insurance works

You are covered for direct physical losses to your property and belongings when you purchase Flood Insurance.

What are the benefits of your policy?

Your valuable possessions will be protected when you purchase flood insurance. There are two types of coverage provided by Flood insurance: buildings and contents. The following examples illustrate what’s covered by flood insurance:

Protect your building and contents:

  • The installation of cabinets, paneling, and bookcases
  • Shades for windows
  • Walls, anchors, and stairs.
  • Separate garages
  • Solar panels, fuel tanks, and well water pumps
  • Electricity and plumbing
  • Heating systems and water heaters
  • Dishwashers, refrigerators, and cooking stoves
  • The installation of permanent carpeting

Flood insurance doesn’t cover everything.

Flooding causes must be taken into account when determining coverage.

Floating causes losses that are covered by flood insurance. Water overflowing on ordinarily dry land can cause a flood if it affects more than two acres of land or two or more properties.

For instance, the insurer will pay for sewer backup damage caused by flooding. However, sewer backups that do not occur directly due to flooding are not covered.

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