It's important to make sure your home is protected from flood damage during hurricane season. While water damage caused by water that has intruded through a wind-damaged roof or windows is generally covered by your homeowner's policy, water that rises into your home from ground level is generally considered “flood damage” and is not covered.
When the majority of damage from a storm is caused by flooding from the rise of groundwater, it is often the case the flood damage will not be covered by insurance because homeowners did not carry separate flood insurance. Don't let this happen to you. If you do not yet have flood insurance, contact the NFIP at 1-800-427-4661 or Floodsmart.gov. If you have questions about your homeowner's insurance policy and whether you have adequate coverage, please give us a call. We never charge an initial fee to sit down with you, review your policy, and answer your questions about coverage.