• Vincent Fuccilli

NOTICE! Your Homeowners Insurance Policy does not cover property damage from Floods.




Most people don’t think much about floods. However, 90% of all disasters in the U.S. are flood related. One out of every three of all flood losses occur outside government identified special flood hazard areas.


What is a Flood?


Flood means a general and temporary condition of partial or complete inundation of normally dry land area from:

a. The overflow of inland or tidal waters;

b. The unusual and rapid accumulation or runoff of surface waters from any source;

c. Mudslides (that is, mudflows) that are proximately caused by flooding and are akin to a river of liquid

and flowing mud on the surfaces of normally dry land areas, including your premises, as when earth is

carried by a current of water and deposited along the path of the current.


Flood also includes, the collapse or subsidence of land along the shore of a lake or other body of water as a result of erosion or undermining caused by waves or currents of water exceeding cyclical levels, which results in the partial or complete inundation of normally dry land area.


Floods can happen anywhere, anytime. They cause physical, emotional and financial anguish and destruction.


A normal Homeowner Insurance Policy does not cover damage to property, contents and structures resulting from floods. However, flood insurance may be available through the National Flood Insurance Program which exists in participating communities. If your home location is eligible, you may also be able to obtain flood insurance through a Private Flood Market.


A separate insurance policy covering flood damage may be available at an additional premium. The National Flood Insurance Program coverage contains separate content and structure coverages and you as the policyholder should consult the National Flood Insurance Program or your agent should be consulted regarding obtaining further information about how to secure FLOOD insurance, including the availability, terms and conditions of coverage.




"Disclaimer: The content contained in this blog is for informational purposes only. It should not be considered insurance advice since every client's needs and circumstances are different. Bergen Insurance Group, LLC makes no representation as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All statements represent the sole opinion of the author and is provided on an as-is basis. For an actual description of all coverages, terms and conditions, refer to your insurance policy.”

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