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Flood Insurance*:  Provides coverage for your covered property that is damage by rising water.  This may be a result of hurricanes, tropical storms, heavy rains, storm surge, and overflow of lakes, rivers, canals, and drainage ditches.  When a flood occurs, your entire neighborhood will be inundated with water.  Only a flood policy can coverage damage caused by rising water.  Homeowners and dwelling fire policies exclude damage caused by rising water.  Lenders normally require flood insurance for properties located in high hazard flood areas.

Flood damage is often confused with water damage caused by roof leaks and accidental water discharge from plumbing and air conditioning systems.  This type of water damage is NOT covered by a flood policy but is normally covered by a homeowners or dwelling fire policy.