Flood Insurance

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Flood Insurance

You don’t have to live in a designated flood zone to be at risk of flood damage. Many standard homeowners policies do not cover flood losses, which is why having the right flood protection can be important. Let Gilbert DLG Insurance Agency help you explore your options and get a flood insurance quote.

What is Flood Insurance?

Flood insurance is specialized coverage designed to help protect your property and belongings against eligible losses caused by flooding. Flood risk can vary significantly from one property to another, and insurers may consider factors such as location, elevation, topography, flood zones, and proximity to waterways when evaluating flood risk.

More About Flood Insurance

Flooding can affect properties in many different areas, and standard homeowners insurance typically does not cover flood damage. Because flood risk varies by location and circumstances, having separate flood insurance may provide an important layer of financial protection for eligible property losses.

The National Flood Insurance Program (NFIP) generally defines a flood as a general and temporary condition of partial or complete inundation of normally dry land affecting two or more acres or two or more properties, including flooding caused by overflow of inland waters, unusual and rapid accumulation or runoff of surface waters, or mudflows.

Flooding can result from events such as hurricanes, heavy rainfall, earthquakes, landslides, and other natural disasters. Having coverage for a particular event does not necessarily mean that resulting flood damage is covered, making it important to understand the specific protections and exclusions within your policy.

Don’t wait until after a flood to discover a gap in your protection. Contact us to learn more about flood insurance and explore the right amount of coverage for your home or property.