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Home > Blog > If you do not have flood insurance, here's what you pay
SUNDAY, APRIL 21, 2013

If you do not have flood insurance, here's what you pay

Floods

Flood waters rising in a neighborhood of housesFlood is the number one natural disaster in the United States.  Not all floods are alike. Some floods develop slowly, while others such a flash floods, can develop in just a few minutes and without visible signs of rain. Additionally, floods can be local, impacting a neighborhood or community, or very large, affecting entire river basins and multiple states.

What's covered on a flood insurance?  Here what you pay out of your pocket if you do not insure for flood insurance.

Building Property

 

  • The insured building and its foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces and water heaters
  • Refrigerators, cooking stoves and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
  • Permanently installed paneling, wallboard, bookcases and cabinets
  • Window blinds
  • Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages) require a separate building property policy
  • Debris removal

 

Personal Conents Property

 

  • Personal belongings, such as clothing, furniture and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets that are not included in building coverage
  • Clothing washers and dryers
  • Food freezers and the food in them
  • Certain valuable items such as original artwork and furs (up to $2,500)

 

Whats Not Covered on a flood insurance policy but you may need to incur these costs as well

 

  • Damage caused by moisture, mildew or mold that could have been avoided by the property owner
  • Currency, precious metals and valuable papers such as stock certificates
  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools
  • Living expenses such as temporary housing
  • Financial losses caused by business interruption or loss of use of insured property

 If you would like to purchase flood insurance, please click here.

Posted 8:58 PM

Tags: flood insurance, houston insurance, what you pay if you do not have flood insurance, home insurance houston
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