Flooding events (rising water) is not covered on a homeowner, renters, condo, and mobile home policies.
If your property is located in a high-risk flood zone, your lender will require Flood Insurance prior to closing. If purchasing Flood Insurance after closing, there is a standard 30-day waiting period before the policy will become active.
If you want to protect your building (carpet and flooring, permanently installed cabinets, paneling, and bookcases, built-in home appliances, and walls/sheet rock) from rising water and sewer backup due to rising water, Flood Insurance Building Coverage provides these coverages.
If you want to protect your contents (clothing, furniture, electronic equipment, washer and dryer, and other portable appliances) from rising water and sewer backup due to rising water, Flood Insurance Contents Coverage provides these coverages.
Contact Kurtin Insurance & Financial Services to get a quote on Flood insurance.