When homeowners in the Inlet Beach, FL region are in the process of purchasing homeowners’ insurance, flood insurance is typically an area of concern. Knowing exactly how coverage your flood insurance provides and what to prepare for is important.
What Does Flood Insurance Cover?
Understanding the limitations of a flood insurance policy is crucial. Before consulting with Dune Lakes Insurance, it behooves the client to have a realistic idea of what to expect. For starters, even those who do not reside in areas that are prone to flooding should still consider purchasing coverage.
The home’s essential systems remain covered. This includes your water heater, furnace, sump pump, plumbing, and electrical systems. Appliances, carpeting, windows, permanently installed woodwork, foundation walls, detached garages, and personal valuables can also be included.
What About My Broken Pipes?
On the other hand, there are aspects of the home that are not going to be covered by flood insurance. If any furniture that has been placed in a basement or crawlspace is damaged, you will not be able to receive compensation. This includes any television sets, audio systems and furniture.
When it comes to broken pipes, the answer is not so simple. If the homeowner is proven to have engaged in poor maintenance techniques that contributed to the breaking of the pipes, they are not always going to be able to receive the assistance that they desire. In most instances, the damage must occur to the home before the water has had a chance to hit the ground.
Water damage is also not considered to be the same as flood damage. A homeowner must select the policy that is going to offer the necessary coverage beforehand. While there are some flood insurance policies that will cover all water damage and flood damage, most policies offer a strong differentiation between the two.
Be sure to contact Dune Lakes Insurance to find out more about the assistance that can be provided to Inlet Beach, FL residents who are in search of flood insurance assistance.
