Important Information About Flood Coverage

Definition of Flood as defined in the FEMA flood program policies – A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from the overflow of inland or tidal waters or the unusual or rapid accumulation of runoff of surface waters from any source or mudflow.

Dwelling Limit

• Maximum Available Limit $250,000
• Deductible varies
• Replacement Cost Coverage up to your policy limits applies as long as the dwelling is insured for the replacement value at the time of the loss or the maximum limit of $250,000
• Replacement Cost only applies to primary residences.

Contents Limit

• Maximum Available Limit $100,000
• Deductible varies
• Contents are covered on an actual cash value basis – there is no replacement cost coverage.
• Limits and exclusions apply to certain types of personal property.

Additional Living Expense

• There is no additional living expense coverage provided by the FEMA flood program

Flood policies written through the FEMA program have limited coverage. There may be other options available to you that would add replacement cost coverage for your contents as well as additional living expense coverage in the event your home is not livable due to flood damage. The FEMA program does not provide this coverage.

There may also be other options available to you that include a much broader definition of flood.

Higher limits of coverage over the FEMA maximum available limits of $250,000 dwelling and $100,000 contents limit may also be available.

There is a 30 day waiting period from the business day your payment is received before flood coverage can begin. Credit card payment options are available.