Zuber Insurance

For the Protection You Deserve

Call us at +1 610-323-3300
  • Menu
  • Home
  • About
  • Insurance Products
    • Auto
    • Home
    • Renters
    • Recreation
    • Umbrella Liability
    • Business
    • Life & Disability
    • Bonds
    • Pets
  • Insurance Company Information
  • Agency Tips
Home Home Do I Need Inland Flood Coverage?

Do I Need Inland Flood Coverage?

Posted on March 29, 2023 Written by JoCarol Zuber

Inland Flood Coverage is an affordable enhancement to your standard homeowners insurance policy, which typically excludes damage caused by flooding. In areas that are prone to flooding, inland flood coverage can be an important safeguard for property owners who want to protect their assets and minimize the financial impact of flood damage.

What Is Inland Flood Coverage?

With Inland Flood Coverage added to your policy, your home is protected for damage caused by flooding from inland waters, such as lakes and rivers or an unusual and rapid accumulation or runoff of surface waters from any source, including, but not limited to rainfall, ice melt, or mudflow. It is an affordable endorsement and covers damages to the structure of the property and any personal belongings that were damaged or destroyed by the floodwaters. Depending on the policy, it may also cover costs associated with cleanup and repairs.

Who Is Eligible for the Inland Flood Coverage Endorsement?

Homeowners, condo owners, and renters in FEMA flood zones except those beginning with A and V prefixes or in surge exposed areas are eligible for this coverage.

What Coverages Are Included in the Inland Flood Coverage Endorsement?

Subject to exclusions and conditions of the policy, the IFCE protects from the most common inland flood losses, including, but not limited to:

  • Damage to your residence and certain other structures
  • Damage to personal property, including property in a basement
  • Debris removal
  • Property removed to safety for a period of 30 days
  • Additional living expenses and loss of rent if your home must be vacated due to flooding

What Property Is Not Covered?

Exclusions include, but are not limited to, damage to:

  • Personal property not inside the home, such as patio furniture and grills
  • Decks and fences
  • Lawns, trees, and landscaping
  • Hot tubs, spas, and swimming pools

What Types of Losses Are Not Covered?

  • Loss of revenue or profits
  • Seepage from the water table rising not caused by flood
  • Water damage caused by backup of sewers or drains not caused by flood
  • Cleanup, removal, and pollutants

Are There Special Requirements to Qualify for Coverage?

Not all risks will qualify for coverage or may qualify for lower limits based on the location’s risk score. This is because the location has been indicated in a high risk area or the risk could not be located. Additionally, homeowners with two or more Inland Flood losses are not eligible for coverage.

Is There a Waiting Period for Coverage?

There is a waiting period for coverage. For a flood occurrence that begins before or within 15 days from when adding the endorsement to a policy, there is no coverage.

How Does an Inland Flood Coverage Endorsement Differ from a Water Backup Endorsement?

Water Backup and Inland Flood Coverage Endorsements protect property from two separate losses. A Water Backup Endorsement typically provides coverage for water or waterborne material that backs up through sewers and drains or overflows from a sump, sump pump, or related equipment. It excludes water backup or overflow caused by a flood.

Filed Under: Home

Get a Quote

Whether it is a single coverage or a review of all your insurance needs, let us know how we can help you.

  • This field is for validation purposes and should be left unchanged.

Looking for claims, billing or other information on the insurance companies we represent?

Click This Button!
Richard A. Zuber Insurance Agency is a full service insurance agency offering auto, homeowner, business, and life insurance as well as a wide array of insurance products.

Richard A. Zuber

Insurance Agency

215 E. Philadelphia Ave
1st Floor West
Boyertown, PA 19512
info@zuberinsurance.com
+1 610-323-3300
Directions and Map

Connect with Us

  • Rss Feed
  • Facebook
  • Email
  • Google Maps

The Richard A. Zuber Insurance Agency cannot bind or alter coverage or accept reported claims via social networking. Further, the information provided is intended for general situations, and questions relating to specific coverage should be discussed using the agency’s regular workflows. Please contact a licensed agent directly.Copyright © 2014–2023 Zuber Insurance
Privacy Notice · Site Design by Delos Incorporated