Flood Cleaning Insurance And What It Offers
One of the age old questions for
many homeowners is “does homeowners insurance cover flooding and flood cleaning?” followed closely
by “what does flood insurance cover?”…and like any insurance, coverage and
rates vary from state to state.
The answer to the first question
is “no”, flooding is not covered by your normal homeowners insurance
policy. Flooding insurance can be
obtained for an additional premium, but may not be available in all areas. You should always check before moving into an
area to make sure the area you are going to be living in is not located on a
flood plain or in a flood zone. Flood
zones typically mean higher rates or worse, no policy offered at all.
If you do find that policies on
flooding are offered, do your homework, as no two policies are the same. Be sure you get coverage designed to take
care of both structural damage and damage to the contents of the home. Just having structural coverage means you
will be paying out of pocket for the loss of the home’s contents.
What about cases where land is
lost as a result of flooding? In most
cases, not all, you will be covered for flooding that results in septic
overflows, drainage backups, property sinking, and so forth. It is always advisable to take plenty of
pictures and video for insurance purposes, keep all receipts, and record serial
If the flooding is the result of
leaks, or structural compromise in your home, chances are slim that a claim can
be successfully made. If the problem can
in any way be traced back to neglect on the part of the homeowner, then the
claim will be denied.
So when it comes to flood
insurance, doing your homework becomes a priority.
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