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Flood policies do NOT cover finished basements.  Flood policies only protect basements for cleanup, furnace, hot water heater, circuit breaker box, deep freezer(not a fridge) and perhaps washer and dryer.  Carpeting, bedroom(s), bathroom, office, furniture, clothes are simply NOT covered by flood policies.  Personal property is calculated on an Actual Cash Value(ACV) Basis NOT Replacement Cost. 

Unless a personal qualifies for the Preferred Flood Plan(as this is a package policy), Dwelling and Personal Property must be purchased separately.  For more flood information please contact Flanigan Insurance Agency.   
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