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Flood Insurance Dissected by John Walsh

Flood Insurance covers physical damage to your building or personal property “directly” caused by a flood. Directly means that the flood must be the cause of damage. As stated above flood coverage falls into two categories: building and personal property. Determining which section covers what can be difficult. For instance air conditioning window units are covered by personal property while central air conditioning equipment is covered under building.  Here are general guidelines for what is covered by each section.

Building Property coverage insures: 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 coverage insures: clothing, furniture, and 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 up to $2,500.

As you can see a general rule of thumb is permanently installed fixtures and appliances would be covered under building property while portable appliances would be covered under personal property.

Here’s a list of what is not covered by your Flood Insurance policy:

  • Damage caused by moisture, mildew, or mold that could have been avoided by property owner
  • Currency, precious metals, and valuable papers (stock certificates)
  • Property and belongings outside a building ( e.g. septic systems, patios, fences, pools, plants)
  • Living expenses for temporary housing
  • Financial loss caused by business interruption or loss of insured property

Whether you need Easton insurance, Northampton insurance, or insurance in Reading and Allentown, Pa, contact The John Yurconic Agency.  We’re the Pennsylvania Insurance Agent  who has the solution for you!

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