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Commercial Insurance

Flood Insurance

Swollen streams, rivers, and lakes can threaten homes, businesses, and infrastructure. Flood losses are excluded from most insurance policies, so flood risk must be addressed with specific control measures and insurance products. Flood insurance covers physical damage to your property and possessions. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

  • Flood damage is not typically covered by a homeowners policy
  • Coverage needs to be in place 30 days before the flood policy will respond
  • Flood maps have been created to show the locations of high-risk, moderate-to-low risk and undetermined risk areas
  • Almost 25% of all flood claims come from areas of low to moderate flood risk (source: Selective Insurance Company)