Flood is an excluded cause of loss on a homeowners policy. For this reason, those clients living in areas that are considered flood zones, are often required to purchase a separate flood policy to protect their home.

Many insureds' definition of flood differs from the definition of flood on a flood policy. In order for a loss to be covered by flood the flood must be "a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, or from mudflow."

A member of our Personal Lines department will work with you to determine your risk of flood or if you are in a mandatory flood zone and review the options for this coverage.

Flood Insurance: Changing With the Weather
By Sarah Cammerzell, Mercer Business Magazine