A flood is an overflowing of a large amount of water beyond its normal confines onto what is normally dry land. A flood can be the result from the following:
Because homeowner’s policies do not cover damage from floods, it is necessary to purchase a separate flood policy. Flood insurance is provided through the National Flood Insurance Program (NFIP). This is a federal program from which property owners may purchase insurance to protect against loss from flooding. Please contact a personal line specialist to receive a flood insurance quote. There is a 30 day waiting period before flood insurance becomes effective.