Flood insurance for the Meridian, ID location is essential for protecting your property against water damage from natural disasters like hurricanes or heavy rain. However, like other types of insurance, flood insurance comes with exclusions—specific situations and damages it does not cover. Knowing these exclusions is crucial to ensure you have the right coverage and avoid unexpected costs.

Key Flood Insurance Exclusions

Flood insurance, offered through the National Flood Insurance Program (NFIP), covers direct damage caused by flooding. However, it does not cover all types of water damage. One common exclusion is sewage backups. It will only handle these types of situations when flooding causes the incident. Similarly, moisture or mold damage that occurs gradually due to neglect or poor maintenance is usually not covered.

Another important exclusion is damage to landscaping, patios, and outdoor structures like pools or decks. Flood insurance typically focuses on the building’s structure and its essential systems, such as electrical, plumbing, and HVAC, as well as some personal belongings, but it will not cover damage to areas outside the home.

Comparing Exclusions with Other Types of Insurance

Unlike homeowners or renters insurance, which often includes some coverage for water damage (such as from burst pipes or leaks), flood insurance is much more specific in areas that it covers. Homeowners insurance generally does not cover flooding at all, requiring a separate flood insurance policy. Conversely, other types of insurance may cover damage from weather events like wind or hail, but they won’t cover rising water due to floods.

Idaho Select Insurance For Better Understanding of Insurance

Idaho Select Insurance offers all of the information you need to get insurance. Our agency serves the locations in and near Meridian, ID. Call today.