Flood damage is more common—and expensive—than you might realize.
Many people assume their homeowners policy covers floods, but that’s not the case.
To protect your home, condo, or apartment from flood damage, you need a separate flood insurance policy. This policy reimburses you for damage to your property and belongings caused by floods.
Flooding doesn’t only happen in flood zones—it can result from heavy rain, storms, river or stream overflow, melting snow, blocked drains, or even mudslides.
Don’t underestimate a little water: just a few inches can cause thousands in damage, and you don’t need to be in a flood zone for it to happen.
What is (and is not) covered by flood insurance
What is typically covered?
Actual cash value coverage (replacement cost less depreciation)
Building foundations
Furnaces / water heaters / fuel tanks
Permanently installed property Appliances (limited)
Detached garages
Personal property
Prevention, protection and cleanup costs
Mold remediation (caused by flood damage)
Damage that affects at least two acres of land
What is typically not covered?
Replacement cost coverage
Personal property in basement
Property outside of home
Septic systems
Any damage that affects less than two acres of land
Damage occurring during the 30-day waiting period
Damage beyond coverage limits
Why Wait? Protect Your Home Today.
Flooding can strike unexpectedly, causing costly damage, even if you're not in a high-risk area. A few inches of water can lead to thousands in repairs. Protect your home from financial strain with the right flood insurance—take action now before it's too late.
Get a Flood Insurance Quote Today
Questions about flood insurance? We’re here to help.
High-risk flood zones are areas more likely to experience flooding, while low-risk zones have a lower chance. Flood zones are determined by FEMA and can affect whether you need flood insurance. You can check your flood zone by viewing FEMA’s flood maps or asking a Chalmers agent.
Even if you're in a low-risk area, flooding can still happen. It's worth considering flood insurance for extra protection.
Your flood zone, property elevation, and coverage needs all affect the cost. Choosing a higher deductible or comparing quotes might help reduce your premium. Working with an experienced agent like Chalmers can also help you understand your options, ensure you get the best coverage for your needs, and find ways to lower your premium while staying properly protected.
FEMA may provide assistance, but only if your area is declared a disaster zone, and the help is limited to specific repairs. Without flood insurance, you might not be eligible for federal aid. Flood insurance doesn’t cover every scenario, but it ensures you're better prepared for flood damage and gives you peace of mind when other options are limited.
Contact us today!
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