Most homeowners insurance policies, do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. Our agency participates in the National Flood Insurance Program (NFIP), which means that we can help you buy flood insurance
The standard NFIP policy provides replacement cost coverage capped at $250,000 for damage to the structure of the home and actual cash value coverage capped at $100,000 for loss of personal possessions. Flood insurance does not cover water related damage from other causes (such as leakage / seepage claims), or damage caused by wind driven rain.