It only takes a few inches of water, and your home could need major repairs. Floods are caused by storms, hurricanes, and water backup due to inadequate or overloaded drainage systems.

  • Flood damage is not covered by homeowner’s policies.
  • Contents coverage is separate, so renters can get flood insurance..
  • Flood insurance coverage is available for non-residential buildings and contents.
  • There is usually a 30-day waiting period before the coverage goes into effect.
  • Federal disaster assistance is not the answer.