Does flood insurance cover storm surges? Flood insurance covers storm surges. Storm surge occurs when ocean waters rise fiercely during hurricanes and storms.
It can flood coastal areas and cause severe damage. However, flood insurance offers hope. It might be the financial support your property requires during such disasters.
This article helps you understand flood insurance and its importance in safeguarding your coastal home from storm surges.
Does Flood Insurance Cover Storm Surge?
Yes, flood insurance typically covers storm surge damage. This is because storm surge is considered a type of flooding that falls within the coverage scope of standard flood insurance policies.
Here’s a breakdown:
Storm surge explained:
Strong winds and low pressure from tropical cyclones or other powerful storms cause storm surge.
This surge quickly raises ocean water levels along the coast. As a result, it floods coastal areas and structures near the sea.
Demystifying Flood Insurance
Flood insurance is different from standard homeowners’ insurance. It’s a special policy made to guard against rising water.
Consider it a protective raincoat for your property. This insurance covers damage from various floods.
Storm surge: This refers to the rising ocean levels during hurricanes and storms. Inland flooding: This happens when rivers, streams, or lakes overflow, flooding nearby areas.
Flash flooding: Intense rainfall leads to quick water accumulation, often causing local floods. You can get two types of flood insurance: building coverage and contents coverage.
Building coverage defends your home’s structure, while contents coverage protects your belongings from water damage.
Depending on your needs, you can choose one or both types of coverage.
