Flood Insurance covers damage to your property caused by flooding. From structural and mechanical damage to flood debris clean-up and surface water damage, flood insurance protects you from the unexpected.
Floods are the most common and costly natural disasters in the United States. However, many homeowners and renters mistakenly believe that their standard insurance policies cover flood damage. In reality, most policies exclude flood-related losses. This is where flood insurance steps in.
Flood insurance provides financial protection specifically for damages caused by flooding, whether it's due to heavy rain, hurricanes, or melting snow. With the right flood insurance coverage, you can recover faster and rebuild after a flood event, without incurring significant out-of-pocket expenses.
Whether you own a home, rent an apartment, or have a commercial property, we have policies tailored to protect you against the devastating effects of flooding.
Building Coverage: This coverage protects the structure of your property, including the foundation, walls, electrical systems, plumbing, appliances, and more. It helps cover the costs of repairs or rebuilding in the event of flood damage.
Contents Coverage: This coverage safeguards your personal belongings, such as furniture, electronics, clothing, and other valuables, in case they are damaged or destroyed by a flood.
Replacement Cost Coverage: With this coverage, you can receive compensation for the full replacement cost of damaged items, without factoring in depreciation.
Additional Living Expenses: In the event that your home becomes uninhabitable due to flood damage, this coverage helps cover the costs of temporary accommodation, meals, and other necessary living expenses.
Are you prepared for the unexpected? Floods can strike at any time, leaving a path of destruction in their wake. Don't wait until it's too late! Safeguard your home with comprehensive flood insurance from OnePoint Insurance Agency