Whats Covered By Flood Insurance

Whats Covered By Flood Insurance

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Flood insurance policies cover physical damage to your property and possessions. Below is a general guide to what is and isn’t covered.

Building Property

·         The insured building and its foundation.

·         Electrical and plumbing systems.

·         Central air-conditioning equipment, furnaces, and water heaters.

·         Refrigerators, cooking stoves, and built-in appliances such as dishwashers.

·         Permanently installed carpeting over unfinished flooring.

·         Permanently installed paneling, wallboard, bookcases, and cabinets.

·         Window blinds.

·         Detached garages (up to 10 percent of building property coverage; other than garages, detached buildings require a separate       building property policy).

·         Debris removal.


Personal Contents Property

·         Personal belongings, such as clothing, furniture, and electronic equipment.

·         Curtains.

·         Portable and window air-conditioners.Image title

·         Portable microwave ovens and portable dishwashers.

·         Carpets that are not included in building coverage.

·         Clothing washers and dryers.

·         Food freezers and the food in them.

·         Certain valuable items such as original artwork and furs (up to $2,500).


What's Not Covered by Flood Insurance?

·         Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.

·         Currency, precious metals, and valuable papers such as stock certificates.

·         Property and belongings outside of an insured building, such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools.

·         Living expenses, such as temporary housing.

·         Financial losses caused by business interruption or loss of use of insured property.

·         Most self-propelled vehicles, such as cars, including their parts (see Section IV.5 in your policy).

Flood Insurance for Basements and Areas below the Lowest Elevated Floor

Coverage is limited in basements regardless of zone or date of construction. It's also limited in areas below the lowest elevated floor, depending on the flood zone and date of construction.

These areas include:


·         Crawl spaces under an elevated building.

·         Enclosed areas beneath buildings elevated on full-story foundation walls that are sometimes referred to as "walkout basements."Enclosed areas under other types of elevated buildings.


Flood maps, (FRIMs), show areas of high and moderate to low flood risk:

·         Communities use the maps to set minimum building requirements for coastal areas and flood plains.

·         Lenders use them to determine flood insurance requirements

·         The Federal Emergency Management Agency (FEMA) uses them to help determine what you should pay for flood insurance.

·         What Can Flood Maps Help You Do?


·         The Flood Map provides information that allows you:

·         • To identify Special Flood Hazard Areas. (SFHA)

·         • To identify the location of a specific property in relation to the Special Flood Hazard Areas.

·         • To identify the base (100-year) flood elevation at a specific site.

·         • To identify the magnitude of flood hazard in a specific area.

·         • To locate regulatory floodways.

·         • To identify undeveloped coastal barriers, where flood insurance in not available.

Ted M. Daigle


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