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You were woken up at 12 midnight by the sound of a hailstorm that smashes your windows,
followed by a torrential rain that refused to stop. Before you knew it, your home has been covered
by damaging water. Will your insurance policy cover this loss? That will depends on the type of
insurance you chose to purchase and how the water got into your home.
There are basically two policies that deals with damage to your home due to water - a flood
insurance and a homeowners insurance policy. Losses not covered by one of these may be
provided for by the other. Planning ahead can help you know the losses to which your home could
be exposed in order to decide whether to buy one or both of these coverage.
Insurance cover differ in the coverage they provide from one homeowner to another. However,
there are basic features common to all. You should talk to your insurance agent about the
specifics.
FLOOD WATER INSURANCE
A flood is an excess of water (or mud) on land that is normally dry. The National Flood Insurance
Program (NFIP) defines flood to be 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 the policyholder's property) from:
Overflow of inland or tidal waters;
Unusual and rapid accumulation or runoff of surface waters from any source;
Mudflow; or
Collapse or subsidence of land along the shore of a lake or similar body of water as a result of
erosion or undermining, caused by waves or currents of water exceeding anticipated cyclical
levels.
Flood Insurance is a special cover that is federally backed by the NFIP and available for
homeowners, renters and businesses. A standard policy pays for direct physical damage to your
insured property up to the replacement cost or actual cash value (ACV) of actual damages or the
policy limit of liability, whichever is less. Generally, damage caused by water that has been on the
ground at some point before damaging your home is considered to be flood damage. A handful of
examples of flood damage include:
A nearby river overflows its banks and flows into your home.

2. A heavy rain seeps into your basement because the soil can't absorb the water quickly enough
A heavy rain or flash flood causes the hill behind your house to collapse into a mudslide that
oozes into your home.
Flood damage to your home can be insured only with a flood insurance cover -- no other
insurance will cover this damage. This type is available through your insurance agent, insurance
company or local Federal Emergency Management Office (FEMA). To determine if your home is
located in a flood plain, contact your county planning office. If you are living in a flood plain, flood
insurance may be an excellent purchase.
HOMEOWNERS INSURANCE
A home insurance policy does not provide coverage for flood damage. It provides coverage for
many types of water damage to your home. Just the opposite from flood damage, for insurance
purposes, water damage is considered to occur when water damages your home before the water
comes in contact with the ground. A few examples of water damage include:
A hailstorm that smashes your window, permitting hail and rain free access into your home.
A heavy rain soaks through the roof, allowing water to drip through your attic or ceiling.
A broken water pipe spews water into your home.
Even if flood or water damage is not covered by your homeowners insurance policy, losses from
theft, fire or explosion resulting from water damage is covered. For example, if a nearby creek
overflows and floods your home, and looters steal some of your furnishings after you evacuate,
the theft would be covered by your homeowners insurance because it is a direct result of the water
damage. However, the flood damage would be covered only if you have flood insurance.
Flood Insurance is usually sold and serviced by insurance companies, and backed by the Federal
Government. More than 80 insurance companies sell flood insurance. In most cases, the same
insurance company that sold your homeowners insurance policy can help you with your flood
cover.
It is up to you to talk to your insurance agent about flood and homeowners insurance, and then
decide which insurance coverage you need to protect your home, its contents and your family.
You should get your flood water insurance quotes here.
Article Source:
http://EzineArticles.com/?expert=Shirly_Smith

3. ==== ====
For Great information and help for immediate water damage situations visit this link.
www.waterdamagejacksonville.com
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