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Flanigan Insurance Agency Inc Blog: flood

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In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically AE zone, now what?   First the reason you may be recently mapped into a flood zone is all the new building upstream of your homes location. READ MORE >>

On 7-14-17, FEMA(Federal Emergency Mgmt Agency)announced two weeks remain for Missouri Homeowners, Renters and Businesses to apply for disaster assistance, deadline is 8-1-2017, for low interest loans from the U.S. small business admin.  READ MORE >>

not exactly, recently(5/16) I came upon an article in PIA trade magazine addressing this frequent question.  If I am in 100 year flood plain and recently experienced flood damage am I in the clear for next 99 years?  The 100 year flood label means that severity has a 1% chance of happening in a given year, not that it could happen once per century. READ MORE >>

All Homeowner policy forms(home, condo, rental property and renters) specifically exclude flood.  Flood is another term for surface water, water that is on top of ground from rivers, creeks overflowing or heavy rains.  Flood Insurance protects the home against this type of loss. READ MORE >>

NO.  A standard homeowner policy does NOT generally cover damage caused by earthquake and floods.  These sources of damage require additional coverage or a separate policy.  Insurance companies may write some earthquake, provided home is built 1960 or newer, while not writing the older homes. READ MORE >>

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. READ MORE >>

Flood policies do NOT cover finished basements.  Flood policies only protect basements for cleanup, furnace, hot water heater, circuit breaker box, deep freezer(not a fridge) and perhaps washer and dryer.  Carpeting, bedroom(s), bathroom, office, furniture, clothes are simply NOT covered by flood policies. READ MORE >>

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