flood insurance exclusions


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flood insurance exclusions

Flood insurance exclusions refer to the specific circumstances or types of damage that a flood insurance policy will not cover. Common exclusions include:

  1. Damage not caused by flooding: Flood insurance usually only covers direct physical damage from flooding. Other water-related damage, such as sewage backup or leaks from within the home, might not be included unless a flood causes these issues.

  2. Outside property: Items located outside the insured building, such as landscaping, fences, pools, decks, and patios, are often excluded.

  3. Basement items: Certain personal property or structural elements located in basements, like furniture, electronics, or some appliances, may not be covered.

  4. Additional living expenses: Flood insurance typically does not cover costs for temporary housing or other living expenses while the home is being repaired.

  5. Business interruption losses: If the property is used for business purposes, flood insurance may not cover lost income or business operation disruptions.

  6. Vehicles: Damage to vehicles caused by flooding is typically not covered under flood insurance and instead falls under comprehensive auto insurance.

  7. Mold and mildew: Damage caused by mold or mildew resulting from a flood might not be covered, especially if it could have been prevented with timely cleanup.

Reading the policy details is essential to understand the full scope of exclusions.

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Here is what our clients are saying about us:

I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
Mike Edwards

We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
Ken Reuwer

I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
Edward Semambya, CPA


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