Take action to protect your family and assets today before it's too late. Many consumers believe that flood insurance is contained in their home insurance policy. This widespread misbelief can turn out to be a very costly error after a flood actually takes place.
Now that we all know that homeowners insurance policies do not cover damage caused by flood waters, let’s define what actually constitutes as flood waters. The National Flood Insurance Program identifies a flood as:
“A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”
The meaning of a flood is simple to comprehend, but the reason that many homeowners think it’s covered in their home insurance policy is because many of the episodes that can cause floods cause other damages that ARE typically protected under a homeowners insurance policy. For instance, a hurricane may cause wind damage to your house that is insured under a homeowner's policy, but it may also cause normally dry ground to be temporarily inundated by water, which could run into your house and damage your floors, baseboards, sheetrock, cabinets, and furniture-but because those are flood waters, they will only be covered if you have a flood policy.
So make sure you have a flood policy secured with us today. Whether you reside in a flood zone or not, it’s protection that isn’t covered in your homeowners policy but needs to be in place to protect your family.