Fast Facts about Flood Insurance

Fast Facts about Flood Insurance
  • Most homeowners policies do not cover earthquakes or floods.
  • There is a 30 day waiting period from when you buy the coverage to when coverage starts.
  • You do NOT need to live in a flood plain to purchase flood insurance.
  • If you live in a flood plain it is likely your mortgage company will require you to have it.
  • Federal flood policies cap out at $250k for the structure & $100k for personal belongings.
  • There are excess flood policies available through private companies.
  • Typically, storm damage such as a roof coming off and water coming in your home would be covered under your homeowner's policy.
  • Use www.floodsmart.gov for further info.
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