Flood insurance coverage - CBS46 News

Flood insurance coverage

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Whether you have flood insurance or not, you should know what it covers and what it doesn't cover. The National Flood Insurance Program says your policy has your back on...

Building Property Coverage

  • The insured building and the foundation
  • Plumbing and electrical systems, central air conditioning equipment, furnaces, water heaters
  • Fridge, stove, built-in appliances
  • Permanently installed carpeting, paneling, bookcases, cabinets
  • Window blinds
  • Detached garage, up to 10 percent of property coverage
  • Debris removal


Personal Contents Property Coverage

  • Personal belongings: clothing, furniture, electronic equipment
  • Curtains
  • Portable/window air conditioners
  • Portable microwave ovens, portable dishwasher
  • Carpet not included in building coverage
  • Washers, dryers
  • Food freezer and the food in it
  • Certain valuables, like artwork


What is NOT covered...

  • Moisture damage, mildew, or mold that could have been avoided
  • Currency, precious metals, valuable papers like stock certificates
  • Property outside of building such as plants, trees, wells, septic systems, walks, decks, patios, fences, pools, hotubs,
  • Living expenses, temporary housing
  • Financial losses due to business interruption
  • Most self-propelled vehicles, cars and their parts


Limited coverage on...

  • Basements
  • Crawl spaces under elevated building
  • Walkout basements
  • Enclosed areas under elevated buildings


For more info, click here.


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