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Fire & Water - Cleanup & Restoration

National Flood Insurance Program

5/16/2022 (Permalink)

The National Flood Insurance Program policy covers direct physical losses to your belongings and structures after a flood event. The NFIP has two types of coverage: your home itself and your belongings. Here are some examples of what IS covered by your flood insurance policy:

Building Coverage

  • Electrical and Plumbing Systems
  • Water heater and furnaces
  • Refrigerators, stoves, ovens, built-in appliances like dishwashers
  • Permanently installed fixtures, such as carpeting, cabinets, paneling, and bookcases
  • Window blinds
  • Foundation walls, anchorage systems, and staircases
  • Detached garages
  • Fuel tanks, pumps and well water tanks, and solar energy equipment

Content Coverage

  • Personal belongings like clothing, furniture, and electronic equipment
  • Curtains
  • Washer and Dryer
  • Portable and window air conditioners
  • Microwave oven
  • Carpets not included in building coverage like carpet installed over wood floors.
  • Valuable items like original artwork and furs (up to $2,500)

What isn’t covered by flood insurance?

Flood insurance is determined by the cause of flooding and only covers damages directly caused by the flooding. For example, losses caused by a sewer backup is covered if the backup is a direct result of flooding. Here are some examples of things not covered by insurance:

  • Temporary housing and additional living expenses while the building being repaired is unable to be occupied
  • Property outside of the insured building like wells, landscaping, decks and patios, fences, swimming pools, etc.
  • Financial losses caused by business interruption
  • Currency, precious metals, stock certificates and other valuable papers
  • Cars and most self-propelled vehicles, including their parts
  • Personal property kept in basements

For more information about your coverage talk to your insurance agent before hurricane season starts, and visit FloodSmart | What Does Flood Insurance Cover?

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