The change of seasons can create chaos. Take fall for instance. Flooding from heavy rain and hurricanes is common in the Autumn months. While it may seem that it is a rare occurrence, hurricanes and torrential rain happen more often than you think! And because of that, it’s important to review your insurance policies to guarantee you are prepared to weather the storm.
Having flood coverage as part of your homeowner’s insurance is a smart move to protect your home, your valuable possessions, and even your car. Commercial buildings, offices, and apartments are at risk too. Almost everything you own can be damaged in a flood.
A commonly asked question is, “What is covered by flood insurance?” Well, Flood Insurance covers physical damage to property directly caused by a flood. This coverage falls into two categories: building and personal. Here are general guidelines for what is covered in each section:
Building Property
- Building and foundation
- Electrical and plumbing systems
- Central air conditioners
- Refrigerators, stoves, and built-in appliances like dishwashers
- Permanently installed carpeting, paneling, wallboard, bookcases, and cabinets
- Window blinds
- Debris removal
Personal Property
- Clothing
- Furniture
- Electronic equipment
- Curtains
- Portable and window air conditioners
- Portable microwaves and portable dishwashers
- Carpets
- Washers and dryers
- Food freezers and food in them
- Certain valuable items can be covered for up to $2,500
The items that can be destroyed in the event of a flood can be devastating. That’s why adding flood insurance to your policy is important, especially with the threat of hurricane season! Flood coverage can protect you, your home, and your possessions by helping you navigate troubled waters when you are least expecting them.
For more information about our adding flood coverage to your policy, contact the Yurconic Agency TODAY!