What Does Flood Insurance Cover?

What Does Flood Insurance Cover?


If your home is one of the millions that are located in a flood zone, you’re going to want to make sure that you’re prepared for the absolute worst-case-scenario.

The best way to do that? Purchase flood insurance. But what does flood insurance cover, anyway?

Is it really worth paying for if your home is in a flood zone? And are you legally required to do so?

If you’re looking for those answers, search no more, because we’re here to help! In this article, we’ll break down flood insurance in great detail.

We’ll tell you what’s covered, what’s not, and whether or not you need to have it for your home. Now then, let’s get started!

What Does Flood Insurance Cover?

If you’re thinking about purchasing flood insurance, you first need to be aware of everything covered before you make your final decision.

In the case of an emergency, knowing what is covered can give you both peace of mind, as well as help you plan for your next move.

But, to get the compensation you deserve, you might need the assistance of a public adjuster. So, if you want to know about public adjusters, you can find more information here and get answers to your every question.

Additionally, they can help you explain your situation more clearly to an insurance company, allowing you to efficiently deal with the damage you’ve suffered on your property.

When it comes to your home, the covered items by the NFIP are as follows:

  • Your home’s foundation walls and staircases
  • Plumbing and electrical systems
  • Hot water heaters and furnaces
  • Built-in kitchen appliances
  • Installed carpeting
  • Installed cabinets, paneling, and bookcases
  • Window blinds
  • Clothing
  • Well water tanks, fuel tanks, and fuel pumps
  • Solar energy equipment

What Doesn’t Flood Insurance Cover?

Let’s be honest, knowing what isn’t covered by flood insurance is arguably more important than knowing what is. After all, if something happens, you need to know what you can expect to have to replace on your own dime.

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With that in mind, the items that aren’t covered under your flood insurance plan include:

  • Cash
  • Bearer bonds
  • Trees and plants
  • Wells and septic systems
  • Walkways, decks, and patios
  • Fences
  • Hot tubs and swimming pools
  • Loss of income
  • Cars

Do You Need Flood Insurance?

So, do you really need flood insurance? Well, if your home is in your town’s flooding map, odds are the answer to that question is yes.

In fact, if you’re located in an area that has a high probability of flooding, you may even be required by law to purchase flood insurance for your home. You’ll need to reach out to someone, like your insurance provider, to confirm whether or not that’s the case for you.

other valuable tips:

Breaking Down How Flood Insurance Works

Well, there you have it! That is a basic explanation of how flood insurance works.

Now you know the answer to questions like "what does flood insurance cover?" and "do I legally have to have flood insurance for my home?

Remember, if you live in a flood zone, you’re most likely by law to purchase flood insurance. With that being said, if you’re worried about flooding, investing in flood insurance is more than a good idea.

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Image credit: flood insurance coverage by twenty20.com

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