What Types of Floods Does Flood Insurance Cover?

Here at Baldo-Downs Insurance LLC, serving the greater Tuscaloosa, AL area, we have witnessed people make many mistakes when it comes to insurance policies. One of the most common mistakes that people make is assuming their homeowners’ insurance will cover them if there is a flood. Unfortunately, many homeowners’ insurance policies exclude flooding. However, you can purchase flood insurance to protect your home and belongings from floods.

Flood insurance covers two different types of flooding:

Flooding Caused By Storms

Flooding can occur in your home if it rains and rains. Creeks, rivers, or other bodies of water may spill over and cause mass flooding. Or, the flooding may be contained to your home only, such as when a basement floods due to heavy amounts of rain. If you have flood insurance, your policy will cover flooding that is caused by storms, including the process of removing the dirty water and sanitizing your home after the water has been removed. 

Flooding Caused By Plumbing Problems

The other type of flooding that is covered by flood insurance is flooding that is caused by some plumbing issues. If the pipes in your home unexpectedly burst open or your water heater cracks, a portion of your home may flood. As long as the item did not break due to a lack of maintenance or repairs, flood insurance will cover the flooding caused by plumbing problems. If the problem occurred because you did not properly maintain or care for these elements, flood insurance may not cover the expenses. 

If you are looking to purchase a new flood insurance policy in the greater Tuscaloosa, AL region, Baldo-Downs Insurance LLC would love to help you. Our team can help you find the flood insurance policy that is right for your needs. Call us today to obtain an estimate.