{"id":784,"date":"2019-06-22T22:27:54","date_gmt":"2019-06-23T03:27:54","guid":{"rendered":"https:\/\/shieldagency.com\/?p=784"},"modified":"2023-08-31T12:26:35","modified_gmt":"2023-08-31T18:26:35","slug":"flood-insurance","status":"publish","type":"post","link":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/","title":{"rendered":"Flood Insurance: What is Covered"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.shieldagency.com\/blog\/\" target=\"_blank\" rel=\"noopener\" title=\"Shield Insurance Blog\">Shield Insurance Blog<\/a> | Flood Insurance | <a href=\"mailto:ContactUs@ShieldAgency.com\" target=\"_blank\" rel=\"noopener\" title=\"Contact our office!\">Contact our office!<\/a><\/p>\n\n\n\n<p>\n\nBack in August we talked about the definition of a flood and how it affects clients in Michigan. I would like to continue that topic and discuss what is actually covered by a flood insurance policy.&nbsp; According to the NFIP, generally, physical damage to your building or personal property &#8220;directly&#8221; caused by a flood are covered by your flood insurance policy.&nbsp; Here is a brief list (not limited to) of what is covered under &#8220;Building&#8221; coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The insured building and it&#8217;s foundation<\/li>\n\n\n\n<li>The electrical and plumbing systems<\/li>\n\n\n\n<li>Central air conditioning equipment, furnace and water heaters<\/li>\n\n\n\n<li>Refrigerators, cooking stoves and built-in appliances like dishwashers<\/li>\n\n\n\n<li>Permanently installed carpet over an unfinished floor<\/li>\n\n\n\n<li>Detached garage (up to 10% of building coverage)<\/li>\n\n\n\n<li>Debris removal<\/li>\n<\/ul>\n\n\n\n<p>A brief list of what is covered under the &#8220;Personal Property&#8221; coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal belongings such as clothing, furniture and electronic equipment<\/li>\n\n\n\n<li>Curtains<\/li>\n\n\n\n<li>Portable and window air conditioners<\/li>\n\n\n\n<li>Portable microwave ovens and portable dishwashers<\/li>\n\n\n\n<li>Carpets not included in building coverage<\/li>\n\n\n\n<li>Clothes washers and dryers<\/li>\n\n\n\n<li>Food freezers and the food in them<\/li>\n<\/ul>\n\n\n\n<p>What is not covered by either Building or Property Coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damage caused by moisture, mildew or mold that could have been avoided by the property owner.<\/li>\n\n\n\n<li>Currency, precious metals and valuable papers such as stock certificates.<\/li>\n\n\n\n<li>Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, patios, fences, seawalls, hot tubs and swimming pools.<\/li>\n\n\n\n<li>Living expenses such as temporary housing<\/li>\n\n\n\n<li>Financial loss caused by business interruption<\/li>\n\n\n\n<li>Most self propelled vehicles such as cars, including their parts.<\/li>\n<\/ul>\n\n\n\n<p>Now, with all of the above being said, we will discuss next time the coverage limitations in a basement.&nbsp; Stay tuned because I think you will be surprised.<\/p>\n\n\n\n<p>*Lists taken from the FEMA National Flood Insurance Program Summary of Coverage.*<\/p>\n\n\n\n<p>Submitted by Tammy\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Physical damage to your building or personal property &#8220;directly&#8221; caused by a flood are covered by your flood insurance policy.\u00a0<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[344,342,1,348,347,2,345],"tags":[9,1631,945,1630,4,1629,1546],"class_list":["post-784","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","category-home-insurance","category-insurance","category-renters-insurance","category-rv-insurance","category-shield-blog","category-umbrella-insurance","tag-auto-insurance","tag-fema-national-flood-insurance-program","tag-flood-insurance","tag-flood-insurance-policy","tag-home-insurance","tag-nfip","tag-personal-property"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts\/784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/comments?post=784"}],"version-history":[{"count":4,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts\/784\/revisions"}],"predecessor-version":[{"id":13818,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/posts\/784\/revisions\/13818"}],"wp:attachment":[{"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/media?parent=784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/categories?post=784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shieldagency.com\/blog\/wp-json\/wp\/v2\/tags?post=784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}