My Account
What Flood Insurance Covers and Omits in Folsom, CA
For homeowners in Folsom, CA and the surrounding areas, adding flood insurance to their policy is crucial. This insurance provides protection against several types of water damage. However, it may not cover all water-related risks. Here, we’ll explain what to expect when you add this coverage to your insurance through T.D. McNeil Insurance Services.
Who Needs Flood Insurance?
Practically, every homeowner should consider flood insurance. Homes not located in designated flood plains can still experience flooding due to a severe weather event. With the changing climate and weather patterns, flood insurance is becoming essential even in areas where the U.S. government does not anticipate a flood. However, flood insurance policies aren’t standardized. Like many other types of insurance, you may need to tailor your policy to secure the coverage you need.
Typical Exclusions from Flood Insurance
When purchasing a flood insurance policy, it’s crucial to note that some risks and items may be excluded unless specified in a rider, which mandates additional payments. Commonly excluded components include decks, fences, landscaping, and pools. Other items that usually don’t receive coverage include vehicles, collectibles, cash, and heirlooms. You can typically protect many of these items through a rider on your homeowner’s policy.
Typical flood exclusions also include damage due to sewer backups and mildew and mold unless such instances are linked directly to a specific flood event. Damage from an indoor flood—such as a sump pump failure, a burst pipe in the kitchen, or an overfilled bathtub—requires specific language in the policy to be covered.
If you’re looking for specific flood insurance coverage near Folsom, CA, T.D. McNeil Insurance Services is here to help. Our agents can customize a policy to meet your specific needs.
