Flood is also always excluded on a homeowner/condominium/tenants policy. Flood is defined as a general and temporary condition of partial or complete inundation of normally dry land areas from: 1. Overflow of inland or tidal waters. 2. The unusual and rapid accumulation or runoff of surface waters from any source. 3. Mudslides. 4. The collapse of land as a result of erosion or undermining caused by water exceeding cyclical levels resulting in flood.

Flood coverage is written as a separate policy through a government-regulated program. It can be written with certain voluntary carriers. The cost is based on the Flood Zone you are in. Many banks require people in certain areas to have flood policies. Certain zones such as B&C can be written on a preferred policy. This is a less expensive policy that has preset coverage, meaning the limits are set in certain combinations such as Dwelling $100,000/Contents $40,000 with $1,000 deductible. If you are applying for a mortgage or a refinance the bank or mortgage company will have your flood zone. With this information we can provide you with a quote for the coverage you would like.

For more information on flood you can contact us or go onto the National Flood Plan website at WWW.FEMA.GOV/NFIP.