It might sound like we just asked a trick question, but at JC Demo Insurance Group, our customers sometimes ask, “What natural hazards does flood insurance cover?” and that’s a great question.
Primary and Secondary Hazards
Floods don’t happen by themselves in Matthews, NC, or anywhere else. It’s considered a secondary hazard because something else has to occur for a flood to happen. A few examples include:
- Extended Rain Storms
Flood insurance covers any rising water flood. That means the flood insurance policy covers the damage of storms or leaks causing the water to build up or rise.
Although they less frequently cause floods, snowmelt and hail can also cause or contribute to floods. In these situations, flood insurance provides coverage.
Artificial hazards sometimes receive coverage, too. If a dam breaks or overtops and causes a flood, your flood insurance covers the damage to your property.
So, what doesn’t flood insurance cover?
Home Mechanical Issues Aren’t Covered.
If your pipes burst, your home insurance covers that type of flood. The same policy covers the washing machine or water heater flooding. Your flood insurance does not cover this type of flood.
If lightning strikes your home and fire destroys part of the roof, letting rain into the attic or living areas, your insurance also covers that. In most cases, that comes from your home insurance, though.
The great news is that regardless of what situation causes the flood, so long as you purchase your home insurance and add a flood policy, you will own insurance covering every possible flood type.
Contact JC Demo Insurance Group serving Matthews, NC for more information on flood insurance and how it can help protect your home from the inevitable.