Understanding Flood Coverage

Do not assume a homeowners policy includes flood damage

Ask your agent how your policy defines flooding and whether separate coverage is needed. Water-related losses can fall under different policy provisions.

Look beyond a single risk label

Even properties outside designated high-risk areas can experience flooding. Discuss your location and available information with an insurance professional.

Understand the details before you need coverage

Ask about waiting periods, building and contents limits, deductibles and exclusions. Availability and terms vary by insurer and program.

Keep your information current

Tell your agent about changes to your property and ask which documents are needed to assess your options.

Start the conversation early

Exploring coverage before a weather event gives you more time to understand the choices and any effective-date requirements.