![]() However, damage caused by a sewer backup is covered only if it’s a direct result of flooding.įlood insurance has eligibility requirements and numerous exclusions. These would include a neighbor’s above-ground swimming pool collapsing, causing the water to flow into your home, or a water main break that damages your home and at least one other in your neighborhood. ![]() Some events are covered even if they’re not strictly floods, such as groundwater seepage and mudflow. Your policy is likely to cover items such as original artwork and furs, up to $2,500 in value. This includes clothing, furniture, and electronic equipment-though only if they’re not stored in the basement.Ĭertain valuables. You can use up to 10 percent of your total building coverage toward your garage, but that amount will be subtracted from the total amount of building coverage available to you. There is an exclusion for “loss caused directly by earth movement even if the earth movement is caused by flood.”Ī detached garage, used for limited storage or parking. If some cabinets were ruined but others were not affected, you might have trouble getting cabinets that match the older ones.įoundation walls, anchorage systems, and staircases attached to the building. If you have to replace your cabinets, your policy will pay only for the ones that were damaged. Permanently installed paneling, wallboard, bookcases, and cabinets. Your policy should also include window blinds and curtains. If you have permanently installed carpeting over an unfinished floor, or any other kind of carpets over wooden floors, your policy should cover them. So, too, are portable window air conditioners, and freezers and the food in them.Ĭarpeting and window treatments. ![]() Refrigerators, ranges, and built-in appliances, such as dishwashers, washing machines, and dryers, are usually covered. It also includes cisterns and the water in them, fuel tanks and the fuel in them, solar energy equipment, water tanks, and pumps.Īppliances. This includes electrical and plumbing systems, furnaces, water heaters, central air conditioners, heat pumps, and sump pumps.
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