When Can You Claim Flood Insurance?

A flood insurance policy is designed to protect you and your property in the event of a flood in Arizona or Texas. This is a unique type of insurance that is offered as a separate policy from your standard home insurance that covers floods explicitly. Most homeowners tend to think that their standard home insurance policy protects them against floods which isn’t true. If you are a homeowner, then you need to purchase both your home and flood insurance policies from Genesis Insurance in Phoenix, AZ.

Unlike other coverages that may be confusing as to when you can file a claim, things are quite straightforward when it comes to flood insurance. You are expected to file a claim whenever you experience a flood.

What Is the Difference Between a Flood and Water Damage?

To help you understand when you can file a flood damage claim; we shall distinguish between these two confusing terms. You need to keep in mind that you can’t file water damage as flood damage and vice versa. Typically, water damage will occur when water destroys your home. This could be as a result of broken pipes, burst water mains, overflowing bathtubs, damaged washing machines, and so on.

The Federal Emergency Management Agency, (FEMA) defines a flood as a general and temporal condition of either complete or partial submergence of at least two acres and at least two properties of normally dry land. This means that flood damage can only occur as a result of either mudflow, overflow of tidal or inland waters, or collapse of an area along the shore of a river or lake.

Therefore, before you contact your insurance provider to file a claim, make sure that the damage qualifies to be classified as flood damage and not just water damage. You should also make sure that you document the entire damage by taking photographs and making a list of the damaged items before you initiate the process of filing a flood insurance claim.

Are you a homeowner in Texas or Arizona? Contact Genesis Insurance in Phoenix, AZ today for a flood insurance policy.