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You would have to purchase a separate policy. Flood is not covered on a homeowners policy and the flood program is set up by the government. Usually, the reason that people get flood insurance is because their mortgagee requires that you have it. If you are located in a flood plain, you can obtain a flood policy. A flood plain is an area that is deemed to have flooded in the past 100+ years. See your insurance agent about getting a flood insurance policy if you need one. Be aware, flood policies are offered by other companies as well as the government program. Also, flood coverage does not go into effect for thirty (30) days after you take out the policy. This prevents people from running to get a policy when a flood is already eminent.
What else can I help you with?
Can you buy insurance for tsunamis?
I know they have flood insurance.
How do you know if you need flood insurance?
If you live in an area that gets a lot of flash flood and flood warnings I would suggest getting it.
Where can one purchase national flood insurance?
Flood insurance can be purchased from the government from the national flood insurance program (NFIP). If your community participates you can purchase flood insurance from your insurance agencie through the national flood insurance program.
Is the National flood Insurance the only place homeowners can buy flood Insurance from?
No. Several insurance companies offer flood insurance apart from the National Flood Insurance Program.
Can i cancel flood insurance if i have a mortgage?
If your property is in a flood plain or your mortgagor requires flood insurance, no, you cannot cancel flood insurance.
Do you need flood insurance for a vacation home on the Florida coast?
Flood insurance is generally not included in homeowners insurance policies, so you may want to consider flood insurance. Flood insurance is required in some flood zones. Contact your local insurance agent to find out if your vacation home is in a flood zone that requires flood insurance.
Does insurance cover foundation leak after flood?
"Flood Insurance" will cover damage resulting from a Flood. Homeowners Insurance will not.
Does flood fringe require flood insurance?
If you live in a flood zone then you must have flood insurance. It is not covered by normal homeowners insurance. It is basically a federal program.
Will your flood insurance cover your car in the driveway?
No, Flood insurance will not cover your Automobile. Your Comprehensive Auto Insurance will cover flood damage to your Car.
Is flood insurance included in basic homeowners insurance?
Homeowner's insurance policies do not cover flood damage. You will need a Flood Insurance policy and to get one you will have to apply and wait 30 days.
The organization that provides flood insurance to qualifying communities?
National Flood Insurance Program.
Does a National Flood Insurance policyholder have to wait for a Presidential disaster declaration before filing an insurance claim for flood damage?
No. Flood insurance is purchased by the homeowner to provide coverage for losses elated to flooding. The president has nothing to do with your flood insurance.
