Flood Insurance

Flood Insurance is property coverage that normally supplements Homeowners or Renters Insurance protection. Most property coverage of a Homeowners or Renters Insurance policy excludes this cause of loss to your property.

Flood Insurance covers the direct physical loss to your property caused by:

• Unusual and rapid accumulation of runoff of surface waters from any source
• Mudflow
• Overflow of inland or tidal waters
• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by abnormal waves or currents of water
• Flood-related back up of sewers and drains

A partial list of what is generally covered by Flood Insurance:

• The structure and its foundation
• Utilities servicing the property
• Built-in appliances such as refrigerators, dishwashers, cook tops, stoves and ovens
• Permanently installed carpeting
• Permanently installed paneling, wallboard, bookcases, and cabinets
• Personal belongings such as clothing, furniture, and electronic equipment
• Portable household appliances and electronic equipment
• Debris removal

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