Standard homeowners insurance typically excludes damage caused by flooding. Separate flood policies, available through the National Flood Insurance Program and private insurers, cover that risk.
Low risk is not no risk
Floods can happen outside high-risk zones. Heavy rain, drainage problems and storm surge affect many properties that are not in a mapped flood zone.
Plan ahead
Flood policies often have a waiting period before coverage begins, so it is best to review your protection well before storm season rather than when a storm is forecast.
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This article is general information, not advice for your situation. An Elitus advisor can review your options at no extra cost.
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