flood insurance is an essential extra layer of protection
Adding flood insurance to your insurance package means you're covered if groundwater rises and floods your home—a situation that isn't covered by home policies.
Why flood insurance
The situations that cause flooding—heavy rain, melting snow, severe coastal weather—can happen anywhere. In fact, one in five flood insurance claims comes from someone in a low—or medium-risk area.
What is covered by Flood Insurance
Building coverage is available up to $250,000. Coverage to repair or replace the insured building and its foundation, electrical and plumbing systems, central air conditioning, furnaces and water heaters, refrigerators, stove and built in appliances. Contents coverage is available up to $100,000. Contents coverage provides coverage for clothing, furniture, electronic equipment, curtains, portable appliances and larger removable appliances such as washers and dryers.
Flood Insurance vs. Private Flood Insurance
There are several positive factors for choosing Private Flood. Private Flood are able to offer higher limits of coverage (in excess of $250,000.) Coverage can even include Replacement Cost on your building and personal property, broader coverage for other structures on your property, offer Ordinance and Law coverage, and additional living expense coverage for homeowners.
Excess Flood Insurance
Excess Flood insurance is that you can purchase coverage over and above your Standard or Preferred Insurance policy, so that you are more fully covered in the event of a flood claim.
Flood Elevation Certificates
A Flood Elevation Certificate is used to certify building elevations in Special Flood Hazard Areas. The Certificate is used to help determine proper flood insurance premium rates and are completed by a licensed land surveyor, engineer, architect or designee of the State.
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