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Springtime Showers: Should You Think About Getting Separate Flood Insurance? It's crucial to understand that typical homeowners and renters insurance policies generally do not cover flood-related damages. These policies often only include water damage that starts within the home. For instance, water damage from a burst pipe might be covered, but not if water infiltrates through the basement.
Although flooding might not be included in your standard insurance policy, you still have alternatives. You can buy separate flood insurance coverage to provide extra protection against flooding. Remember that flood insurance policies come with deductibles and premiums that you'll need to take into account when making claims.
It's important to mention that the federal government standardizes flood insurance policies. Consequently, insurance companies do not establish prices for these policies. Instead, FEMA sets the premiums and deductibles according to the risk and frequency of flooding in a specific area.
When you need someone to act on your behalf for insurance claims, call The Shelley Group. We are here to help you.
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