Limitations of Flood Insurance

What is consider a flood?

Flood, as used in this flood insurance policy, means:

1. A general and temporary condition of partial or

complete inundation of two or more acres of normally

dry land area or of two or more properties (at least

one of which is your property) from:

a.Overflow of inland or tidal waters;

b.Unusual and rapid accumulation or runoff of

surface waters from any source;


In other words a drainage issue on your property is not covered.

Property not covered:

  • Pools and their equipment.
  • Detached structures, with the exception that a separate garage not held for rent is covered for 10% of the coverage.
  • Personal property in a building that is not fully enclosed must be secured to prevent flotation out of the building. If the personal property does float out during a flood, it will be conclusively presumed that it was not reasonably secured.
  • Pays only up to 30K for you to comply with a State or local floodplain management law or ordinance affecting repair or reconstruction
  • Personal property and buildings located over water.
  • Land, land values, lawns, trees, shrubs, plants
  • Decks and Fences

Special Conditions:

  • To receive replacement cost the property must be your primary residence and you must carry 80% of the value of the home in coverage, or the max the flood program allows.
  • Actual Cash value loss settlement applies to
    • two-, three-, or four-family dwelling.
    • unit that is not used exclusively for single-family dwelling purposes.
    • dwelling that is not your principal residence
    • personal property
    • detached garages

Property Limits:

  • $2500 coverage for fine arts, collectibles, jewelry, and furs, business property.
  • Deductible applies separately for personal property and building.

p: (512) 649-8191

f: (512) 535-0495

12600 Hill Country Blvd. Suite R-275
Austin, TX 78738