Flood Insurance

Homeowners insurance does not cover damage from a flood.  Any time water seeps in or enters your home at ground level or below, it is considered a flood and would not be covered under your homeowners insurance policy.  Flood insurance is a separate policy that needs to be purchased.  There are certain requirements that need to be met in order for a flood claim to be paid.  The rates are set by FEMA, but various insurance companies can service your policy.*

*Coverage subject to policy limits, exclusions and conditions.