Standard homeowners' insurance does not cover flood damage. That is why the U.S. Congress established the National Flood Insurance Program (NFIP) in 1968. The NFIP is a federal program enabling property owners in participating communities to purchase insurance as a protection against flood losses.

The cost of flood insurance, through the NFIP, depends on several factors, such as a home's elevation, when it was built, building materials used, and how close it is to a river, lake or coast.

NFIP offers two types of coverages:

• Building Coverage: This coverage provides protection to electrical and plumbing systems, furnaces and water heaters, refrigerators, cooking stoves, permanently installed carpeting and cabinets, paneling, and bookcases, window blinds, foundation walls, anchorage systems, staircases, detached garages, fuel tanks, well water tanks and pumps, and solar energy equipment.
• Contents Coverage: This coverage provides protection for personal belongings. This includes items such as clothing, furniture, and electronic equipment, curtains, washer and dryer, portable and window air conditioners, microwave oven, and valuable items such as original artwork and furs (priced up to $2,500).

The cause of the flood matters while determining flood coverage. Flood insurance only covers losses directly caused by flooding. For instance, if the sewer backup is the direct result of flooding, then only the damage to the property will be covered by flood insurance.

Please setup an appointment or call us at 209-400-9785 to review your policy or insurance need with us. You can also get a free quote by filling up the following form: