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So, What Is A Flood?

A common theme we see in claims from customers is a misunderstanding of what a qualifying flood event is.

We understand the confusion; when a customer sees water, they probably think, “FLOOD!” right away. A key difference is where that water is coming from. Generally speaking, a qualifying flood event is what we call “ground up” rising water.

Here are some events that typically fall into either a homeowners or flood policy to use as examples with your clients.

(Thanks to Neptune Flood Insurance for this valuable information)!

Event

Which Policy?

Pipe bursts

Homeowners

Storm surge pushes water into your home

Flood

Toilet overflows

Homeowners

Flash flood washes out your foundation

Flood

Hot water heater leaks

Homeowners

River overflows into your home

Flood

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