Standard homeowners and commercial policies do not cover damages from flooding.
A separate flood policy is needed to cover losses to your property caused by flooding, which provides coverage for things such as:
- Structural damage
- Furnace, water heater, and central air-conditioning
- Flood debris clean up
- Electrical and plumbing systems
Even if you are not in a flood zone, your home may not be completely safe from potential flooding. If you live in a high-risk flood area and have a mortgage, you will be required to have flood insurance. In general, a flood policy has a 30 day waiting period after purchasing flood insurance; however, if the policy is necessary for the processing of a new home purchase, then there is no waiting period. Also, know that to purchase flood insurance, your community must participate in the National Flood Insurance Program. For a community list and status, please visit https://www.fema.gov/national-flood-insurance-program-community-status-book
If you are in a lower risk flood zone, there is also an option to obtain insurance through a Private Flood Insurance carrier. By doing so, you would not be required the 30 day waiting period, prices can be lower, and a flood zone certificate is not required.
David Insurance offers both Flood Insurance through the National Flood Insurance Program (NFIP) and Private Flood Insurance. Let us help you navigate the intricacies of flood insurance.
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