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FLOODING: Are you protected?


Did you know that flooding is NOT covered by Homeowners Insurance? Spring brings the start of warmer weather and flower blooms, but it also bring lots of cloudy, rainy days and could lead to flooding! Floods are the number one natural disaster here in the United States. If you think you don’t live in a flood-prone area, be aware that you could find your home flooded just from melting snow or rain storms causing small streams, creeks, lakes and rivers to overflow. Even less than an inch of water can cause thousands of dollars worth of damage to your home and belongings.

So, what IS covered by flood insurance?

  • Damage to appliances such as refrigerators, dishwashers, washing machines, dryers, portable air conditioners and more.

  • Damage to personal property including furniture, rugs and clothing and certain valuables.

  • Damage to systems in the home. For example, electrical and plumbing systems, furnaces, water heaters, fuel tanks, water tanks, solar energy equipment and more.

  • Damage to the foundation of your home including walls and staircases.

  • Expenses that occur when protecting your home against imminent flood damage (sandbagging, etc.)

  • Expenses for clean-up costs such as debris removal.

What is NOT covered by flood insurance?

  • Damage to personal property or furniture that is stored in a basement or crawl space.

  • Damage to anything outside of the home (Cars, trees, plants, walkways, decks, patios, pools, hot tubs, etc)

  • Damage to financial items such as cash, stock certificates or bearer bonds

If you do not currently have flood insurance we highly suggest getting a quote and taking a step ahead in protecting you and your family's home and personal belongings. Call our office anytime to speak to one of our licensed agents for more information!

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