Flood Insurance | AA Lares Insurance

Flood Insurance

The standard Homeowners policy excludes flood, which is why we
offer Flood insurance. The right policy can protect you against
losses resulting from soggy situations.

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We'll keep you from getting all washed up.

Understand that flooding can occur anywhere it can rain. this is important to understand because homeowners insurance specifically excludes coverage for any kind of flood damage.

This means that you are not covered, for a potentially catastrophic situation, unless you purchase your own stand-alone flood insurance policy.

UNDERSTAND YOUR FLOOD POLICY

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Standard Coverage - if you reside in a community that participates in the National Flood Insurance Program, you may be eligible to cover yourself with a standard Flood insurance policy. You may apply for building coverage and contents coverage separately, if desired.

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Preferred Risk Flood Coverage - Residential or commercial building located in a low or moderate risk zone are more likely to be affected by small rather than large floods. These buildings may qualify for a relatively low-cost preferred risk policy.

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Here is what is covered in a Flood Insurance Policy:

• The insured building and it's foundation
• Electrical and plumbing systems

• Central air conditioning equipment, furnaces and water heaters

• Refrigerators, cooking stoves and built-in appliances such as dishwashers

• Permanently installed carpeting over unfinished flooring

• Permanently installed paneling, wallboard, bookcases and cabinets

• Window blinds

• Detached garages; detached buildings (other than garages) require a separate building property policy.

• Debris removal

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