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Flood Insurance


The damage caused to a home from water can be devastating, and in most cases water damage is not covered by homeowners insurance. Flood and other water-related damage is a common exclusion in almost every home insurance policy. 

Whether you live near a body of water or not, every home lies in a flood zone and has the risk of experiencing a flood. Many flood related claims are miles from the nearest body of water.  Floods can be triggered by heavy rains, hurricanes, melting snow, and water backup.

Most flood insurance policies require a 30-day waiting period before the coverage becomes effective.  Exceptions are only made for a few specific circumstances such as if you have purchased a new home and the closing is in less than 30 days.   

Flood policies provide coverage for:

  • Flood damage to your home's structure as well as items like your furnace and water heater
  • Flood damage to your furniture, rugs, appliances, and clothing (with limitations for basement areas)
  • Expenses you incur to protect your home against imminent flood damage by sandbagging or other measures
  • Clean-up costs for covered items after a flood, including debris removal

To determine if your house is in a flood zone and to obtain a FREE flood quote, click here.

To understand more about Flood Insurance, please contact one of our insurance specialists today.