Insurance 101


Recent rainstorms have flooded and damaged my basement. Is there any coverage under my homeowner's policy?

Flood coverage is excluded on every homeowners' policy; only a separate flood insurance policy provides coverage for damages from surface water. However, some homeowners' policies provide coverage for backup of sewers and drains that cause damage to your home or contents in your basement. This coverage can usually be purchased for a nominal additional premium. All properties are within some type of federal flood zone and are eligible to obtain flood insurance. However, if you live in a special hazard flood-prone area, your lender will require that you purchase a separate flood insurance policy.

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