Insurance Coverages

 1. Will home owners insurance cover water damage as a result of a storm or hurricane?
     A: No. Hurricane coverage has been eliminated from standard home owner's policies.
         To insure your home  against floods you will have to purchase additional flood insurance.
 2. Who qualifies for flood insurance?
     A: Homes, condos, apartments, renters and business structures are eligible.
 3. Will flood insurance cover sewer backup?
     A: In most cases, the backup and the damage must be related to flooding and all general conditions of flooding are  met in your local area.
 4. What is covered and not covered by flood insurance?
     A: Direct physical losses caused by floods are covered. Losses resulting from flood-related erosion are also covered if caused by abnormally high waves or  currents of water activity, severe storm,flash flood or abnormal tidal surge.
       Your basement structure, essential equipment and other basic     items normally located in a basement are covered; however personal belongings  stored in a basement, such as furniture, are not covered.
 5. Does my NFIP Policy cover mold or mildew?
     A: Damage from mold or mildew arising from the after effects of a covered flood is covered. However, each case is evaluated on an individual basis.
         Mold or mildew conditions that existed prior to the flood event are not covered  After a flood, the policy holder is responsible for taking reasonable and appropriate mitigation actions to reduce or  eliminate mold or mildew