Floods are always a big concern for most homeowners and recent events have shown that there is good reason for concern. Flood insurance is good to include in any home insurance policy. If you have flood insurance, you can rest assured that your home will rebuilt or repaired should a flood event occur. There are however certain things that may not be included and may not be covered in any flood damage claim.
The plants outside your home will probably not be covered if they are destroyed or later die as the result of a flood. There may be special circumstances under which some types of plants may be covered but that would be something spelled out in the policy.
Although the cost of sandbags isn’t usually covered in a policy, it shouldn’t be a problem as most flood areas are often provided with free sandbags during potential or actual flood events.
Your shoes will most likely not be replaced by the insurance company. If there’s a flood, chances are your shoes and those of your family will be ruined. Replacing shoes can be costly so make it a habit to store unused shoes off the floor in case something happens.
Remember that if you’re storing valuable things in outside storage sheds they may not be replaced if they get damaged or destroyed. Try not to keep expensive items in outside sheds.
Dealing with pets and other animals is something that is often overlooked when making disaster plans. Animals and pets are also in peril when a disaster like a flood occurs and can remain threatened in the aftermath. This is something to think about before anything happens when it may be too late.
The best idea is to visit your insurance agent and ask the questions. There may be options available that can help compensate for some of the coverage gaps.
