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person sitting in flood waterAsking whether or not flood insurance covers all water in your house is a great question! We think it's important to discuss before you purchase flood insurance. So let's break it down and start with what exactly is qualified as a flood.

According to the government definition, 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." 

As you can see, in order for flood insurance to help you, there are requirements of it not being just your house that is flooded. Now that we know what is considered a flood, let's talk about what flood insurance covers and doesn't cover.

1. Flood insurance covers physical damage to property and possessions. If you house is flooded, flood insurance can cover:
  • Your house and its foundation: water doesn't only damage the walls and floors of your house, but the foundation of your house as well.

  • Everything in your house that makes it comfortable to live in: electrical, plumbing, air conditioning etc.

  • The assets in your house: furniture, carpet, bookcases etc.
2. Flood insurance does NOT cover:
  • Damage such as mildew or mold that could have been avoided: for example, if there is standing water in your basement that you ignore for a few weeks, insurance probably won't pay for the mold damage.

  • Money that is lost or damaged, stock certificates and similar items

  • The trees and plants outside the house

  • Decks, swimming pools, septic systems and other outside structures that could get damaged
The last question you might be asking is how do you get flood insurance? Speak with your independent insurance agent, who can assess the risk for where you live.

Protect your home. Call Reliable Insurance Managers at (713) 227-7283 for more information on Katy flood insurance.
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