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flood insurance policies

Flood Insurance

What is a flood? The National Flood Insurance Program (NFIP) has established a legal definition for a flood as follows:
A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

Flood insurance is a special policy that is federally backed by the (NFIP) and available for homeowners, renters, and businesses regardless of whether the property is in a floodplain. The standard homeowner’s/property insurance does not cover floods. The standard flood insurance policy pays for direct physical damage to insured property up to the replacement cost or actual cash value (ACV) of actual damages or the policy limit of liability, whichever is less.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: such as rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. Many floods are caused by hurricanes, broken levees, outdated or clogged drainage systems and large amounts of rain. Some floods can occur suddenly and recede quickly. Others take days or even months to build and discharge.

For more information please contact Sheri at The Insurance Store of Connecticut. 303 East Center St. Manchester, CT 06040.
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