Flood Insurance: What Isn’t Covered

What’s Not Covered by Flood InsuranceFlood Insurance

Generally, physical damage to your building or personal property “directly” caused by a flood is covered by your flood insurance policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. However, if the backup is caused by some other problem, the damages are not covered.

  • 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 a 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.
  • Most self-propelled vehicles such as cars, including their parts.
  • Paneling, bookcases, and window treatments such as curtains and blinds.
  • Carpeting, area carpets, and other floor coverings such as tile.
  • Drywall for walls and ceilings (below lowest elevated floor).
  • Walls and ceilings not made of drywall.
  • Most personal property such as clothing, electronic equipment, kitchen supplies, and furniture.

Flood Insurance for Basements and Areas Below the Lowest Elevated Floor

  • Basements; crawl spaces under an elevated building
  • Enclosed areas beneath buildings elevated on full-story foundation walls (walkout basements)
  • Enclosed areas under other types of elevated buildings.
  • Make sure to ask your agent for additional details on basement coverage.

Flood Insurance: The Basics| Flood Insurance: What Isn’t Covered | Preparing for a Flood

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