Flood Insurance Coverage

When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.

In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars of damage.

If you’re looking for flood insurance we’ve got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It’s just that some flood zones are worse (or far worse) than others.

In most situations, you will have a 30-day waiting period when you buy flood insurance, so don’t wait until it’s too late!

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Homeowners insurance does not cover flood damage

Regardless of where you live, flood insurance has to be purchased as a separate, stand-alone policy (very rarely is it offered by some select carriers as an endorsement on your homeowners policy).

Flood damage is not covered by standard homeowners insurance policies.

Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.


Contact Kovalev Insurance today and request a complimentary consultation to ensure your property and family are properly protected.


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