Flood Insurance

Did you know that FLOOD INSURANCE is not covered under your standard Homeowners Insurance or Dwelling Fire Insurance Policies?

The FEMA National Flood Insurance Program covers direct physical loss of structure or personal property caused by a flood. Defined as an excess of water on land that is normally dry, a flood can include:

  • overflow of inland or tidal waters
  • rapid accumulation or runoff of surface waters from any source
  • land subsidence along a lake or other body of water resulting from unusual wave or current activity
  • mudflow (liquid and flowing mud carried by a current of water or normally dry land)

A flood insurance policy pays for direct physical damage to insured property and can provide compensation up to the actual cash value of the property lost or damaged, or the policy liability limit, whichever is less. Flood insurance is not a guaranteed replacement cost policy, but can significantly offset your losses should you be damanged in a flood event.

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