Even though your property may not be located in a high-risk area, you still need to have coverage. In fact, statistics show that most insurance claims for flood damage come from Below is a summary Below is a summary Below is a summary Of the things that a typical flood policy will will will not cover.
What is covered?
The policy will, the flood policy will, the flood policy will cover the insured building and its foundation, plumbing and electrical systems, water heaters, furnaces and AC equipment, and in-build appliances such as dishwashers, cooking stoves and refrigerators. cover permanently installed wallboard, paneling, cabinets, bookcases and carpeting. The coverage also extends to window blinds and debris removal.
The coverage will also include your curtains, window and portable air conditioners, portable dishwashers and microwave ovens, washing machines and dryers, food freezers and any foods that might be in them. The coverage will also extend to carpets that are not covered in the building property.
What is not covered?
Your flood insurance will not cover damage created by mold, mildew or moisture, which which flood policy has limits. It is vital to be aware of that limit. The policy does not cover any property outside the insured home such as tress, walks, wells, wings , decks, patios, swimming pools, seawalls or hot tubs.
The insurance company will not be liable for the temporary living quarters. The policy does not include coverage of any financial losses to business interruptions raised by the flood. You should ask your agent all of questions before signing the deal.
