Flood coverage deserves a separate conversation
Most homeowners policies do not cover flood damage. Ask about a separate flood policy and the coverage available for your property.
What to review
Building and contents
Discuss both parts of the policy rather than assuming belongings are included with building coverage.
NFIP and private options
Review the programs available for your property and compare limits, exclusions and settlement terms.
Waiting periods and property details
Ask when coverage can begin and how the policy treats basements, equipment and belongings in different parts of the home.
Compare before you choose
| Compare | Question to resolve |
|---|---|
| Building coverage | Review the insured building, deductible and settlement terms. |
| Contents coverage | Ask whether belongings are included and review their separate limit and deductible. |
| Timing and exclusions | Ask about waiting periods, basement restrictions and expenses the policy does not cover. |
What to bring to the conversation
- Property address and occupancy details
- Current flood policy, if applicable
- Lender requirements and desired start date
Call our office or book a conversation. The team can explain which additional details are needed for your situation.
Questions before you choose
Does being outside a high-risk zone mean I cannot flood?
No. Review your property’s risk and available coverage even if your lender does not require a policy.
Will flood insurance pay every expense after a flood?
No. Review covered property, limits, exclusions and any additional living expense provisions before choosing a policy.
Helpful consumer resources
FEMA flood insurance information
General information is a starting point. Your policy documents, endorsements, exclusions and limits determine your coverage. Product availability and eligibility vary.