What types of losses are not covered by flood insurance?

  • Additional Living Expense coverage is not included as part of flood insurance.
  • Sewer backup or seepage of water is not covered unless the property is, at the same time, damaged by flood.
  • Water or moisture damage resulting from a condition primarily confined to the insured building.
  • Losses caused by the insured's failure to use reasonable means to preserve property after a flood.
  • A loss already in progress at the time a policy goes into effect.
  • A loss caused by off premises power failure.

However, a complete review of your flood policy is necessary to fully determine coverage in your claim.

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.