1.Homeowner’s Insurance does not cover water damage from flooding including water in basements caused by ground water or rain.
2. A separate flood insurance policy can be purchased. Coverage will only begin 30-days after the application is completed.
3. Flood Insurance offers very limited coverage for property located in a basement (call us for more details)
4. Homeowner’s Insurance covers damage caused by a windstorm, but homes located in a coastal community may have a separate windstorm deductible that is much higher than the standard policy deductible (call us for more detailsl).