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Flooded HouseWhen you think of flood insurance, you may think that it covers any flooding that occurs. However, that’s not quite the case since floods have many different origins. In fact, to be covered by flood insurance, the flood must be a temporary condition and must cover two or more properties to qualify for coverage.

Flood insurance is designed to cover floodwaters with external origins, such as:

  • Heavy rainfall
  • Rising tides or rivers
  • Blocked dams or broken levees
  • Hurricanes and tsunamis
  • Other natural causes

Floods with internal origins, such as burst pipes or an overflowing toilet, are typically covered by homeowners insurance.

While certain areas may be more risky, such as coastal cities, floods can happen anywhere and at any time. When deciding whether to purchase flood insurance and how much coverage you need, talk to your independent insurance agent about your hometown’s flood history to get a sense of the risk you face.

As with any insurance policy, it’s important to know what flood insurance covers and what is generally excluded. Your home’s structure, foundation, electrical and plumbing systems, air conditioning/heating and garages are often covered, along with debris removal. You may need to purchase additional coverage to protect your possessions, such as clothing, furniture, appliances and the like.

Common exclusions include damage caused by wind-driven rain or preventable mold or mildew, cars, outdoor furniture and fixtures, currency, precious metals and other valuable papers, temporary housing and financial loss due to loss of use of property or business interruption.

Remember, flood insurance policies take effect 30 days after purchase, so don’t wait until a storm is brewing to contact your agent. Rather, get started today!

Protect your home from water damage. Call Moore Insurance Agency at (361) 991-9000 for more information on Corpus Christi flood insurance.

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