Flood

Flood insurance generally covers a range of flood-related risks for both your property’s structure and contents. Here’s a quick overview:

Structural Damage: Covers damage to the home’s structure, including foundation, walls, electrical, plumbing, and HVAC systems.

Essential Systems: Protects electrical and plumbing systems, including wiring, water heaters, furnaces, and air conditioning.

Built-In Appliances: Covers built-in appliances such as refrigerators, stoves, and dishwashers.

Permanent Fixtures: Includes fixtures like cabinets and carpeting, but only if part of the property when installed.

Foundation Protection: Covers foundations, staircases, and walls vulnerable to flood damage.

Personal Belongings: Covers items like furniture, clothing, and electronics, though basement-stored items may have limited coverage.

Debris Removal: Covers debris cleanup after a flood to prepare for repairs.

Preventative Measures: May cover costs for sandbags or barriers before an impending flood.

Exclusions: Flood insurance typically does not cover mold damage, landscaping, pools, or financial losses from business interruptions. Coverage limits vary, so reviewing policy details is essential.