FEMA defines a flood as “A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder's property) from: Overflow of inland or tidal waters.”
In terms of insurance, a flood is considered “ground level water from the outside in”. Even a lower limit policy can make the difference in recovering from the unexpected loss of a flood claim. In many cases, the lifetime of premiums paid into these policies can be recouped ten-fold during a single event.
Flood insurance is not necessarily just for homes in a floodplain or coastal living.
Did you know…Flooding is the most common natural disaster in the United States, affecting every state. Flooding can be caused by storms, dams or levees breaking, new development changing how water flows above and below ground, snowmelt and much more.
Contact us today for a free quote on flood insurance for your home.