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What is Flood Insurance

Flood Insurance

Flood insurance is broadly defined by the National Flood Insurance Program (NFIP) as a temporary condition where 2 or more acres of normally dry land area are affected by  inland waters, unusual & rapid accumulation or runoff of surface waters from any source, and mudflows

Why should I get flood insurance?

Flood insurance offers financial protection for your property in the event that a flood damages your home or personal belongings. It’s a separate policy from a standard homeowners insurance policy, which typically doesn’t cover damage caused by flooding.

Who needs flood insurance?

Flood insurance isn’t required for most homeowners but is typically mandated by mortgage lenders if your house is within a high-risk flood zone. For more information, check your property address in FEMA’s flood maps or talk to one of our local agents.

What Does Flood Insurance Cover?

Flood insurance can provide building coverage up to $250,000 to reconstruct your dwelling and personal contents coverage up to $100,000 which would help to repair or replace your belongings such as clothing, furniture and electronics.
What Flood insurance does NOT cover?According to the NFIP, the following kinds of damage are not covered by flood insurance: Damage caused by moisture, mildew, or mold that could have been avoided by the property owner or which is not caused by the flood. Damage caused by earth movement, even if the earth movement is caused by flood.

Understanding the difference between Flood Insurance and other sources of Water Loss such as Bursted Pipes, Frozen Pipes which are normally covered by a Broad Peril Home Insurance Policy and the difference between Flood insurance and Water & Sewage Backup coverage, which is typically an endorsement available for purchase as add-on coverage is an important conversation to be had with your local agent.
For more information about Flood Insurance, call our office at 703-430-1200 and we will help you insure your property against potentially severe losses caused by floods.
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