What Does Flood Insurance Cover?

November 06, 2020 by Dan Green

Flood insurance pays cash when flood waters cause damage to the structure of a home, or the inside of a home and its contents.

Items covered by flood insurance are grouped into several main categories.

The first category of items protected by flood insurance is your home’s exterior, which is defined as your home’s walls and foundation; plus, any detached garages.

When flood waters damage your home’s exterior or its foundation, flood insurance pays cash to make the repairs. It also pays to remove debris.

The second category of items covered by flood insurance are the systems required to make your house run. This includes electrical and plumbing systems, central air and heating, and water heaters.

Sometimes, these systems can be fixed by a plumbing specialist or HVAC repair person. Other times, they require complete replacement.

Flood insurance pays out in both situations.

The third category flood insurance covers is kitchen appliances.

When flood waters enter your home and cause damage to your refrigerator, freezer, dishwasher, or other cooking appliances including ovens, stoves, and microwaves, flood insurance pays cash to repair or replace damaged appliances with new, working models.

Washers and dryers are included in this benefit as well.

Fourth, flood insurance covers flooring and the permanent woodwork of your home. This benefit extends to hardwood floors and carpets, as well as whatever paneling, bookcases, window treatments, and cabinets you have installed.

Lastly, flood insurance replaces personal property in your home that’s been damaged by flood waters such as furniture, clothing, and electronics; plus original artwork.

Homeowners insurance and renters insurance won’t cover damage caused by flood waters.

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