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In the unfortunate event you suffer a flood you should report your claim immediately to your insurance agent or company. Your insurance company can determine the coverage in effect at the time of your loss and provide you with the necessary information and forms to submit a claim.
Please keep in mind that the following "Frequently Asked Questions" are provided for informational purposes only. The facts surrounding your claim and policies in force may vary from what might be considered a "basic" or "standard" policy. Always read your policy to find out what coverage you have.
Standard homeowners, renters and condo policies do not cover food spoilage as a result of power failure when the cause of the failure is off premises.
Some comprehensive policies, however, have added a limited amount of coverage, i.e., $500, while other companies will provide an endorsement to cover food spoilage.
Standard homeowners, renters, and condo policies only provide loss of use and additional living expenses for any covered peril. Since flood is not a covered peril, there is no coverage.
Standard Homeowners policies only cover debris removal if a covered peril causes the loss. Since flood is not a covered peril, there is no coverage.
Flood insurance coverage is limited in basements and areas below the lowest elevated floor. The building coverage section covers fixed items in your basement such as furnaces, hot water heaters, heat pumps, central air conditioners, insulation and electrical work. The personal property section covers food freezers, washer\dryers and window air conditioners. Coverage for most other personal property in basements is excluded from flood policies. To learn more about what is covered and what is not, read the NFIP's summary of coverage:
These endorsements typically do not exclude flood; therefore, personally property endorsements usually include coverage for flood damage. The following types of personal property can be scheduled or specifically listed in an endorsement to the standard homeowner, renter or Condo policy:
• Musical instruments
• Golf equipment
• Fine arts
• Rare or current coins.
If you carry comprehensive coverage on your automobile policy, then you would have coverage for damage caused by a flood.
Boats may be covered by a separate endorsement to a homeowner's policy or by a separate boat owner's policy.
Consumers who have purchased a flood insurance policy should contact their insurance agent for help in filling out claim forms. If you have questions on your flood insurance or you need help in locating your flood insurance company, you may call 1-800-427-4661.
You should first try to contact your local insurance agent or your insurance company for specifics about your policy.
For general flood insurance policy questions, call FEMA at 1-800-427-4661.
For National Flood Insurance Program claims, call 1-800-638-6620.