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Flanigan Insurance Agency Inc Blog: flood insurance

View the latest blog posts from Flanigan Insurance Agency Inc.

In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically AE zone, now what?   First the reason you may be recently mapped into a flood zone is all the new building upstream of your homes location. READ MORE >>

All Homeowner policy forms(home, condo, rental property and renters) specifically exclude flood.  Flood is another term for surface water, water that is on top of ground from rivers, creeks overflowing or heavy rains.  Flood Insurance protects the home against this type of loss. READ MORE >>

Flood policies do NOT cover finished basements.  Some of the items covered by Flood policies:  Drywall for walls and ceilings(not taped), cleanup, furnace, hot water heater, circuit breaker box(including electrical outlets and switches), deep freezer(not a fridge) and sump pumps. READ MORE >>

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. READ MORE >>

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