If your house or household commodities are damaged by flood, you can recover the loss if you have Flood insurance policy. It is a policy initiated by the Federal government suggesting people to buy the policy specifically if their house is located in flood prone areas. General home Owners policy does not cover flood water damage which indicates you need additional coverage to recover the loss due to floods and here the role of the Flood insurance policy comes.
Considering the structure of your house federal flood insurance policies top up at 250,000 dollars. If you own a 300,000 dollar house and your policy coverage is 250,000 so you are getting the maximum cap of $100,000 under the federal law. These are certain limits which you should keep in mind before buying your highly valued home which are susceptible to flooding. If you have already owned insurance through the federal program, you can purchase the excess flood insurance with the help of a private carrier that could cover your claim above the limit.
Read Here: Guidance To Get Elevation Certificate for Flood Insurance
In the flood insurance policy, you also need to consider that not all damage occurring due to water is covered. If water enters your home due to storm then the damage will be covered by the Home Owners policy and not the flood insurance policy. Some of the policies offer separate water-backup endorsement that could cover damage from water backing like broken sump pump.
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We at Houston National Insurance company providers will help you in making the decision on the right kind of Flood insurance policy you require. Our agent will evaluate the structure of your home and then suggest the suitable plan that can meet all the anticipated cost of the damage that might occur to your home.
It is better to be safe before the damage occurs. So shop for the policy and if you have any queries or questions you can call us anytime.
