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Flood Insurance

Physical damage that occurs to your building or personal property that is directly caused by a flood is covered with a flood insurance policy. For example, damages that occur by a sewer backup are covered IF the backup is a direct result of flooding. If, on the other hand, the sewer backup is caused by some other problem, the damages will not be covered by your flood insurance policy.


Guideline of Flood Insurance Coverage

The following items are insured under BUILDING PROPERTY coverage:


  • The insured building and its foundations.

  • Electrical and plumbing systems

  • Central air-conditioning equipment, furnaces and water heaters

  • Refrigerators, cooking stoves and built-in appliances like dishwashers

  • Permanently installed carpeting over an unfinished floor

  • Permanently installed paneling, wallboard, bookcases and cabinets

  • Window blinds

  • Detached garage – up to 10% of Building Property coverage

  • Detached buildings – require a separate Building Property policy


The following are items that are insured under PERSONAL PROPERTY coverage:


  • Personal belongings like clothing, furniture and electronic equipment

  • Curtains

  • Portable and window air conditioners

  • Portable microwave ovens and portable dishwashers

  • Carpets not included in building coverage

  • Clothes washers and dryers

  • Food freezers and the food within them

  • Certain valuable items like original artwork and furs – up to $2,500

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