Flood Insurance ASL

Many people think their homeowner's insurance will cover flood damage, but this is not true. Homeowner's insurance usually covers things like fire, theft, and wind. It does not cover damage caused by flooding. Anywhere it can rain, it can flood. In fact, almost one-third of flood insurance claims come from outside high-risk flood areas. If your home is damaged by a flood, your homeowner's insurance is unlikely to pay for repairs or lost belongings. And unlike disaster assistance, a presidential disaster declaration is not required to start a flood insurance claim. So what should you do? First, check your current insurance policy. Look at the policy breakdown to see what's covered under your homeowner's insurance policy. Under exclusions, look for water and terms such as flood, surface water, waves, tidal waves, tsunamis, tides, storm surge, overflow from any body of water, spray from any of these, whether or not it was driven by wind. These terms can help you determine whether your policy excludes flood-related damage. Next, contact your insurance agent or visit floodsmart.gov to learn more about flood insurance, get a quote, or find an insurance provider. Remember, homeowner's insurance does not cover floods. Flood insurance is the only way to protect your home from flood damage. Take action today. Make sure you have the right coverage to keep your home and family safe.