When severe weather strikes, understanding your flood insurance coverage can make the difference between financial recovery and devastating loss. Insurance Source Solutions in Oklahoma helps property owners navigate these complex coverage scenarios to ensure they’re properly protected when nature unleashes its fury.
Coverage for Flooding due to Heavy Rain
Standard flood insurance policies treat flooding due to heavy rain as a covered event when the water accumulates on normally dry land. This includes situations where drainage systems become overwhelmed or when prolonged rainfall causes rivers and streams to overflow their banks. Your policy will typically cover structural damage, foundation issues, and destroyed personal belongings when rainwater enters your property from outside sources.
However, it’s crucial to understand that flood insurance doesn’t cover damage from rain that enters through roof leaks or broken windows. The water must originate from ground-level flooding to qualify for coverage under your flood policy.
Coverage for Storm Surges
Storm surges present a different but equally covered scenario under flood insurance policies. When hurricane-force winds push ocean or large-body water onto normally dry coastal areas, the resulting damage falls within flood insurance parameters. This coverage extends to both immediate structural damage and secondary effects like foundation erosion or contamination from saltwater intrusion.
Understanding Your Coverage Limits
Both heavy rain and storm surges are subject to your policy’s coverage limits and deductibles. Most policies separate building coverage from personal property coverage, with different limits applying to each.
Don’t wait until severe weather threatens your area to review your flood insurance policy. Contact Insurance Source Solutions in Oklahoma to ensure your coverage adequately protects against flooding due to heavy rain and storm surges.
