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What Does Flood Insurance Cover?

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August 10, 2020 by JMG Insurance Corp

Flooding is the costliest natural disaster in the U.S., according to The Pew Charitable Trusts, resulting in federal flood insurance claims of more than $1.9 billion annually. To protect their homes and businesses, most property owners rely on flood insurance. In the event of a flood, a flood insurance policy covers direct physical losses to structures and belongings.

The Differences From Homeowners Insurance

Homeowners insurance is essential for any individual who owns a home. A standard homeowner’s policy provides basic coverage that can be used to repair or replace a structure or belongings that are damaged by certain perils, such as theft or fire. Homeowners insurance can also help cover expenses if a homeowner accidentally causes damage to another person’s property or if a visitor to the home is injured. However, most standard homeowner’s policies do not cover damage caused by floods.

The Main Areas Of Coverage

A proper flood insurance policy help help to provide protection and peace of mind. When you’re searching for a policy, make sure it has the necessary areas of coverage you desire. Read on to learn more about the main areas of coverage a flood insurance policy offers:

Building Coverage

Flood insurance typically includes two types of coverage – building coverage and contents coverage. Building coverage can help protect:

  • Plumbing and electrical systems
  • Water heaters and furnaces
  • Stoves, refrigerators and built-in appliances like dishwashers
  • Permanently installed cabinets, bookcases, and paneling
  • Permanently installed carpeting
  • Window blinds
  • Well water tanks, fuel tanks, and solar energy equipment

Structural Elements

Flood insurance also helps protect the physical structure of a home and its foundation. Coverage for the structure of a home typically includes items like drywall, insulation, staircases, foundation walls, and anchorage systems. A flood insurance policy may also cover a detached garage.

Electrical Systems and Plumbing

Damage to electrical systems and plumbing can result in costly repairs. Flood insurance generally covers electrical systems and plumbing that become damaged due to flooding or water damage. Insurance may provide reimbursement for repairs if possible or replacement if repairs cannot be made due to the extent of the damage.

Built-in Appliances

Appliances are typically considered personal property. Most standard homeowners insurance policies will cover appliances damaged by perils like fire, wind, smoke, hail, or falling objects. However, homeowner’s policies do not generally cover damage to built-in appliances caused by flooding. Instead, flood insurance can protect built-in appliances in homes and businesses like dishwashers in the event of a flood.

Carpeting

When a home or business floods, water can quickly absorb into the carpeting. Flood water can contaminate carpets and create the perfect environment for mold and mildew growth. Flood insurance will generally cover permanently installed carpeting over an unfinished floor, as well as carpets laid over wooden floors. Flood insurance policies may also cover window treatments like curtains and blinds.

Contents Coverage

Flood insurance also covers the content of a home. This may include clothing, electronics, and furniture if they are not stored in a basement. Most flood insurance policies also cover certain valuables up to a certain limit, such as furs and original artwork. Flood insurance contents coverage may also include:

  • Portable and window air conditioners
  • Microwave ovens
  • Carpets not included under building coverage
  • Valuable items up to $2,500

Property, Possessions and Valuables

During a flood, home and business owners can lose their property, possessions and valuables. This may include items like computers, televisions, couches, tables, toys and similar belongings. Without flood insurance, property owners could be responsible for repairing or replacing these items. However, flood coverage will generally cover possessions and valuables up to an amount specified on the policy.

Portable Appliances

In addition to covering built-in appliances like dishwashers, most flood insurance policies will also cover portable appliances. This includes items like refrigerators, freezers (excluding walk-in models), ranges and portable and window air conditioners.

What Flood Insurance Does Not Cover

While flood insurance does cover a wide range of structures and property, it does not cover everything. It is important to understand the eligibility requirements of the policy chosen and the exclusions listed. The most common types of damage not covered by flood insurance include:

  • Damage caused by mold, mildew or moisture that could have been avoided by the property owner.
  • Damage caused by earth movement.
  • Financial losses due to business interruption.
  • Loss of access or use of the insured property.
  • Additional living expenses, such as temporary housing.
  • Precious metals, currency or valuable papers like stock certificates.
  • Most self-propelled vehicles, such as cars.
  • Property outside of an insured building, such as decks, patios, seawalls, fences, swimming pools, hot tubs, wells, trees, plants, and septic systems.

Contact JMG for Flood Insurance Coverage

In short, flood insurance covers most losses directly caused by flooding. This typically includes the structures owned and the contents inside. However, all policies are different and contain various exclusions and limits. Home and business owners should become familiar with their policy and increase their insurance limits as needed to achieve optimal protection. To learn more about what flood insurance covers or to acquire a flood insurance policy for a home or business, contact John M Glover today.

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JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

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JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848
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4.8
John M. Glover Insurance Agency
John M. Glover Insurance Agency
4.8
Tammy Weiner
Tammy Weiner
14:53 09 Aug 23
Amazing personalize service. They were able to consolidate all of my insurance needs and save me a lot of money, while also upgrading my coverage and making sure all of my needs were met even in potential unforeseen circumstances. Would highly recommend, and I have not been so pleased with an insurance agency in many many years.
Dani
Dani
14:24 06 Aug 23
I have held multiple insurance policies through the John Glover agency, for as long as I can remember. The company is wonderful! All of the staff members are kind, personable, compassionate, and speedily efficient! I highly recommend them!
Chris R.
Chris R.
11:34 25 May 23
I have been a client (auto, home, and umbrella) for several years. The entire team at the agency is excellent. Francesca is always prompt in getting back to me, and the claims group is great. I also purchased a life insurance policy through them as well.
William Schrade
William Schrade
18:25 26 May 23
I'm so pleased with the service at JMG Agency. They shopped and saved me money on my policy even when I didn't request it. I needed insurance in another state where they are not licensed to sell but they went the extra mile and found an agency to rewrite my policy saving me almost 50%. I have complete trust in my agent Francesca and her assistant Crystal. I highly recommend this agency.Bill Schrade
Melanie Craig
Melanie Craig
11:13 08 Aug 23
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