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FLOOD INSURANCE

Flood insurance covers what your home and business policies do not.

Standard homeowners and commercial property policies exclude flood damage. Localized storms regularly flood properties that FEMA does not classify as high-risk. Flood insurance is a separate policy through the federal NFIP program or a private flood insurer.

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WHAT'S COVERED

What flood insurance covers.

Building coverage

Repairs to the building structure, foundation, electrical and plumbing systems, central HVAC, water heaters, built-in appliances, and permanently installed flooring and cabinetry from rising water.

Contents coverage

Personal belongings inside the building. Generally limited to actual cash value rather than replacement cost under NFIP. Private flood policies often offer replacement cost on contents.

Increased cost of compliance

If a flood damages a building enough that local code requires elevation, demolition, or relocation, this pays toward those mandated costs. Standard NFIP coverage includes up to $30,000 of ICC.

Debris removal

Removal of debris caused by the flood, both from your property and debris that floats onto your property from elsewhere. Included within the building or contents limit.

IMPORTANT LIMITATIONS

What flood insurance does not cover.

Damage from water that did not come from a general flood condition

Sewer backup, plumbing leaks, and groundwater seepage that are not the result of a general condition of flooding are not covered by flood insurance. Those losses fall under your homeowners or commercial property policy and may need separate endorsements.

Property outside the building

Decks, fences, swimming pools, landscaping, and detached structures other than detached garages are typically excluded. Vehicles are excluded entirely under flood and would fall under comprehensive auto coverage.

Loss of use and additional living expenses

NFIP policies do not pay for hotel costs, lost rental income, or additional living expenses while the property is being repaired. Some private flood policies include limited loss of use.

Mold not directly caused by the flood

Mold damage that results from a covered flood is generally covered. Mold from poor maintenance, slow leaks, or humidity unrelated to the flood is excluded.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Do you know your actual flood risk?

Most homeowners outside mapped flood zones still face meaningful flood risk from localized storms. Send your property address and we will check your actual flood risk and quote both NFIP and private options.

Varies by flood zone, elevation, building characteristics, and whether the policy is NFIP or private. Most residential properties pay between $400 and $2,500 per year. Private flood is often less expensive in lower-risk zones.

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