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Flood policies do NOT cover finished basements.  Some of the items covered by Flood policies:  Drywall for walls and ceilings(not taped), cleanup, furnace, hot water heater, circuit breaker box(including electrical outlets and switches), deep freezer(not a fridge) and sump pumps.  Carpeting, bedroom(s), bathroom, office, furniture and clothing located in a basement are simply NOT covered by flood policies. 

Personal property located above basement, provided the flood policy includes contents, is calculated on an Actual Cash Value(ACV) Basis NOT Replacement Cost. 

Unless a person qualifies for the Preferred Flood Plan(as these are package policies), Dwelling and Personal Property must be purchased separately.  For more flood information please contact Flanigan Insurance Agency @ 314-727-6000.  
Posted 3:30 PM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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