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how does flood insurance work

02 Dec What Does Flood Insurance Cover?

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What Does Flood Insurance Cover?

Your property has flooded, and you now must contact your insurance company.  Fortunately you have insurance, but is this incident covered?  Sometimes it can be hard to tell (See also: Flood Insurance Basics)  The best way to know is to contact an agent at your particular insurance company.  They will be able to look up your policy and let you know exactly what is and isn’t covered by their company.  However, most flood insurance covers the same basic problems, such as the ones below.

The insurance for the property itself typically covers:

  • The building and foundation
  • Plumbing, electrical, heating and air conditioning, and water heating systems
  • Built in appliances as well as some larger moveable appliances
  • Permanently installed carpeting, paneling, flooring
  • Detached garages (some restrictions apply)
  • Debris cleanup and removal


The insurance involving your personal property typically covers:

  • Clothing, furniture, electronic equipment and other personal belongings
  • Carpets not included in building coverage
  • Portable (non-permanent) air conditioners, etc.
  • Portable microwave ovens, dishwashers, freezers, washers, dryers
  • Some valuable personal items (a monetary limit may apply)


Having a flood is never fun, but with the right flood insurance you can rest easy knowing your property and belongings are well covered.  As always, KADE Restoration is here to help you get your property back to normal as fast and efficiently as possible.

Source: What’s Covered – FloodSmart

Related Article: What is Flood Insurance?