The east coast has been criticized with showers that were engulfing roads and requiring rescue as the storm cut its way up the East Coast. The floods have already claimed five lives. Now downpours are down on New England.
No doubt many will check their policies and calling agents the next day or two to know what is and what is not covered in terms of water and flood damage. The Insurance Information Institute offers this helpful video:
The insurance cover Insurance
standard home does not cover flood damage, so if you have a specific flood policy, you may be out of luck. Check if you have a driver "sump pump failure" to complete your owners, who can offer some relief.
Even if your homeowners policy does not cover flooding, if you have experienced something more than minor damage, you may want to file a claim :.
- When your insurer investigate the real cause of the loss, you may have some coverage
- If you qualify for FEMA (Federal Emergency Management Agency) assistance, you will probably need a denial letter from your insurer. By law, FEMA can not duplicate any assistance that insurance already covers.
- Your insurer and the agent may be able to provide resources and services to companies for emergency restoration professionals in your area. They may have other resources and tips to help you mitigate and recover from your loss.
- If you have comprehensive insurance as part of your standard car insurance policy, you may be covered for water or flood damage to your car. You would need to contact your agent to check the specific coverage provisions in your policy.
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