What Your Flood Policy Covers & Does Not Cover

MAXIMUM LIMITS OF COVERAGE

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BUILDING     $250,000


CONTENTS     $100,000


EXCESS FLOOD POLICIES ARE AVAILABLE FOR HIGHER LIMITS OF COVERAGE IF THESE LIMITS DO NOT MEET YOUR NEEDS. 

 

WHAT IS A FLOOD?

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Water has to cover 2 or more acres of land that is normally dry, or has to have damaged 2 or more properties (one being your home).  It has to come from either:  Overflowing inland or tidal waters;  unusual, rapid accumulation of runoff of surface water from any source;  or mud flow. Floods are usually due to excessive rain or snow. 


NOT A FLOOD - WATER & SEEPAGE THAT COMES FROM SEWER OR DRAIN BACK-UPS, OR SUMP PUMP OVERFLOWS ARE NOT CONSIDERED FLOODS UNDER THIS POLICY.

BUILDING - WHAT IS COVERED?

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Your home & its foundation; electrical/plumbing systems; HVAIC equipment like air conditioning, furnaces and water heaters; built in kitchen appliances like refrigerators and stoves; installed carpeting; installed wallboard, paneling, cabinets or bookcases; window blinds; detached garages (10% home limit); debris removal. Flood insurance covers the cost to rebuild or actual cash value, whichever is less.

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CONTENTS - WHAT IS COVERED?

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Clothing, furniture, electronic equipment, curtains, window a/c units; portable microwaves and dishwashers;  area rugs and carpets that are not covered by building coverage; washers/dryers; your freezer and frozen food; upt to $2500 in valuables such as art and furs.

WHAT IS NOT COVERED

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Typically what belongs in a safe deposit box or in a bank is not covered:  Precious metals, stock certificastes, bearer bonds, cash 



BASEMENTS - WHAT IS NOT COVERED

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Most personal property such as clothing, electronic equipment, kitchen supplies, furniture; bookcases; window treatments; carpeting, tile or other floor coverings; some drywall depending on how far below ground level; paneling; walls and ceilings not made of drywall.

EXCESSIVE RAIN CAUSES FLOODS -   Check out the video.  Your homeowners policy does not cover floods. ( Good news - Your auto policy does cover flood damage to your autos!)