In the event of a flood, your Flood policy covers direct physical losses to your structure and belongings.

What does my policy cover?

Purchasing flood insurance will help protect the things you value. Flood policies offer two types of coverage – building coverage and contents coverage – to protect your home and belongings. 

What isn’t covered by flood insurance?

When determining coverage, the cause of flooding matters.

Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.

For example, damage caused by a sewer backup is covered if the backup is a direct result of flooding. If the sewer backup is not caused by flooding, the damage is not covered. 

Flood coverage cannot be added to a home or condo policy.  IT is a separate policy written through the NFIP which is administered by FEMA.