Does Your Insurance Policy Cover Flood Damage? NBC 6 South Florida


Tropical Storm Eta introduced large flooding to neighborhoods throughout South Florida, and now many individuals are assessing the harm to houses and vehicles.

However, how are you aware in case your insurance coverage coverage covers flood harm?

Mark Friedlander with the Insurance coverage Data Institute says the perfect place to begin is by taking a look at your insurance coverage coverages entrance web page, referred to as the Declaration web page.

“There’s something known as the declaration web page that’s the entrance web page of your coverage, and it explains your protection, it explains your deductibles and explains how the claims course of works,” Friedlander stated.

In the case of residence harm brought on by flooding, you want a separate Flood Insurance coverage coverage.

This coverage is obtainable by means of FEMAs Nationwide Flood Insurance coverage Program, or by personal insurers. Any such coverage covers property harm to the house or renters possessions.

Flood harm to your automobile or personal automobile is roofed underneath the Non-compulsory Complete portion of an Auto Coverage.

You possibly cant recuperate from vital water intrusion in a automobile so that’s the reason that protection is so vital. You possibly can have all the opposite coverages underneath your auto, however should you dont have complete auto, you aren’t protected for storm harm,” Friedlander stated.

Friedlander says if your property or automobile have been broken, it’s a good suggestion to take images of the harm and to contact your insurance coverage agent.

“Particularly with social distancing proper now, and COVID-19 issues, they might need you to ship your footage as an alternative of sending somebody out instantly. Thats why it’s so vital to seize these images should you can,” Friedlander stated.

If you wish to make an emergency restore you must speak along with your insurance coverage agent previous to the restore, and maintain receipts for bills incurred earlier than the adjustment course of begins.

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