Understanding Flood Insurance in New England
What Protection Does it Offer?
- Structural damage
- Furnace, water heater and central air-conditioning
- Flood debris clean up
- Electrical and plumbing systems
Cost of Coverage
While it is up to the property owner to decide if they want to cover the building, if you are a renter, you can cover your belongings up to $100,000.
In general, a policy does not take effect until 30 days after you purchase flood insurance. However, if your lender requires flood insurance in connection with the making, increasing, extending or renewing of your loan, there is no waiting period.
For more information on flood insurance, including premium costs, levels of coverage and the flood risk for your area you can visit Floodsmart.gov or call our offices.
Water Losses and Flood Damage
“A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from: overflow of inland or tidal waters; and unusual and rapid accumulation.”
Federal Disaster Assistance
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