Flooding is the #1 disaster in America and can cause costly catastrophic damage. Homes located in coastal areas and “high risk” zones are usually required to carry flood insurance. However, 25% of all flood claims are in “low risk” areas.
Physical damage to your property from flooding is not covered under a standard homeowners, condo, renters or dwelling fire policy and requires separate insurance. Generally, a flood policy covers flood damage including overflow of inland and tidal waters, mudflow, erosion along shoreline, and rapid, unusual accumulation or runoff of surface water.