Q&A ‐ Property Losses Due to Flooding and Wind
Driven Rain
Q. Will my homeowner policy cover losses due to flooding or ground water?
A. No. However, Federal flood insurance does cover losses due to flooding, but
there is a 30 day waiting period for coverage to become effective after
purchase.
Q. The interior of my home, including furniture and flooring, has been damaged
by rain from the storm. Is that covered by my homeowner policy?
A. Maybe. Damage to property in your home caused by rain or
wind blown water is covered under a homeowner’s policy IF the damage is the
direct result of an opening in the roof or wall of the home that was caused by
wind. Damage caused by rain or wind driven water entering your home
through a window left open by you is not covered.
Q. Is my boat, that is parked on a trailer in my yard, covered by my homeowner
policy?
A. Wind or hail damage to all types of watercraft of less than 26 feet, their
trailers, furnishings equipment and outboard motors is not covered against
wind or hail damage unless the damage occurs while the equipment is inside a
fully enclosed building.
Q. What is covered by my flood insurance policy, and what is not?
A. Federal flood insurance does not cover rain entering through wind‐damaged
windows, doors, or a hole in the wall or roof that results in standing water or
puddles inside your home. This type of damage is considered wind storm
damage and may be covered by your homeowner policy, not your flood
insurance policy. Federal flood insurance covers damage caused by flooding
typically caused by storm surge, wave wash, tidal waves, mud flows or the
overflow of any body of water above normal cyclical levels.
Find out more and look for updates at www.nh.gov/insurance or
Call us toll free at 1‐800‐852‐3416
For information on Federal Flood Insurance visit the National Flood Insurance Web site
at www.floodsmart. gov, or call toll free at 1‐888‐379‐9531 or 1‐800‐611‐6122
No comments:
Post a Comment