Flooding is not something covered under a homeowners policy, however we can still protect your home in the event of flooding even if you are a low lying area that is prone to flooding.  We recommend our clients take advantage of the programs available. Find out if you are protected against flooding.

The difference between a water damage claim and a flood damage claim is best distinguished by the Federal Emergency Management Agency’s (FEMA) flood definition. A flood is defined as a general and temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land.

Simply put, the main difference between a flood claim and a water damage claim is that the water comes from a natural source and two or more properties are involved (if you reside in a generally residential versus rural area). If you and your neighbors are all having water issues due to heavy rains and/or rising waters, then you are likely dealing with a flood insurance claim.