Flood Insurance: What Is & Isn’t Covered by Flood Insurance

If you ever need flood restoration in Northwest Atlanta, you’ll be glad you have adequate flood insurance, too, to cover your losses. Annual losses from residential water damage in the U.S. actually exceed fire damage. Flooding not only immediately affects the structure of the house and valuable belongings, it can also have lingering long-term consequences. Professional flood restoration in Northwest Atlanta is crucial to recover after a flood. Also indispensable is the adequate insurance coverage to get your life back to normal.

Here’s what’s covered in a typical flood policy. Check with your insurance broker for specific details:

Home Structural Components

  • Plumbing and electrical system.
  • Central HVAC system including A/C and furnace and also the water heater.
  • Stoves, refrigerators and other built-in appliances like dishwashers.
  • Carpet that is permanently installed over raw flooring.
  • Paneling, wallboard, cabinets and bookcases permanently mounted to walls.
  • Window blinds.
  • Removal of flood debris.
  • Detached garages typically are covered for no more than 10 percent of the total house property coverage. Other detached buildings are not covered under the house policy.

Personal Valuables

  • Clothing, furniture, home electronics.
  • Window units and portable air conditioners.
  • Portable appliances like microwave ovens and portable dishwashers.
  • Carpeting not covered under the building structure policy.
  • Washers and dryers.
  • Refrigerators and freezers as well as their contents.
  • High-value items like artwork and clothing, generally limited to $2,500.

Not Covered

  • Damage from moisture, mold and mildew that could have been avoided by proper remediation.
  • Precious jewels, currency and valuable paperwork like stock certificates.
  • Any belongings normally placed outside of the home such as outdoor furniture, hot tubs, decks and swimming pools.
  • Temporary housing while the home is being repaired.
  • Cars, trucks, motorcycles, and other self-propelled vehicles.

For professional flood restoration in Northwest Atlanta, contact the water damage experts at Rytech, Inc.

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