Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, and heavy rains.
Nashville Flood 2010
Flood insurance is one area of insurance where most people don’t think about it until its close to home. One reason is most feel they can predict their flood risk, based on prior events. If you think about it this is partially true, depending how close you are to a river, ocean, or body of water.
However, take it one step further and its easy to see that weather patterns have been changing, development of land changes the nature of water runoff, and floods are measured in chances in 100 years (longer than most of us live). So more now than ever prior...more
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: