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Let's Talk About Flood, Baby...

December 8, 2014

Although Flood insurance is not as fun as the lyrics to Salt N Pepa’s “Let’s Talk About Sex”, it is still a topic that needs to be discussed.  Here is a quick and easy reference in regards to flood insurance:


Flooding is the leading cause of natural disaster property damage. 


What constitutes as a flood? Overflow of inland or tidal waters, and/or unusual and rapid accumulation or runoff of surface waters from any source.

Coverage also includes man made floods, such as: Water main breaks, sewer main breaks, pool collapse, and fire hydrants. 


Mudflows? Yes

Mudslide? NO


You must buy a flood insurance policy to be covered.  Flood is NOT a covered peril under most multi-peril policies.    


As long as your building is walled & roofed affixed to a permanent site, and principally above ground, the following buildings are eligible for flood insurance: dwelling, multi-family, or apartments and condos.


How can I find out if a property is in a participating community? http://www.fema.gov/national-flood-insurance-program/national-flood-insurance-program-community-status-book

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