{"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 class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\">\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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">*Lists taken from the FEMA National Flood Insurance Program Summary of Coverage.*<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Physical damage to your building or personal property &quot;directly&quot; caused by a flood are covered by your flood insurance policy.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Shield Insurance Agency\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#blogposting\",\"name\":\"Flood Insurance: What is Covered - Blog | Shield Insurance Agency\",\"headline\":\"Flood Insurance: What is Covered\",\"author\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#organization\"},\"datePublished\":\"2019-06-22T22:27:54-06:00\",\"dateModified\":\"2023-08-31T12:26:35-06:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#webpage\"},\"articleSection\":\"Flood Insurance, Home Insurance, Insurance, Renters Insurance, RV Insurance, Shield Insurance Agency Blog, Umbrella Insurance, Auto Insurance, FEMA National Flood Insurance Program, Flood Insurance, flood insurance policy, Home Insurance, NFIP, personal property\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#listItem\",\"name\":\"Flood Insurance: What is Covered\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#listItem\",\"position\":3,\"name\":\"Flood Insurance: What is Covered\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#organization\",\"name\":\"Blog | Shield Insurance Agency\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/\",\"name\":\"Shield Insurance Agency\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/14063c35c483edefd6f2ec1a7c720b71a35d4a774a0e5766b6d5bf28ce49f16f?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"Shield Insurance Agency\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/shieldagency\\\/\",\"https:\\\/\\\/twitter.com\\\/shieldagency\\\/\",\"https:\\\/\\\/www.instagram.com\\\/shieldinsuranceagency\\\/\",\"https:\\\/\\\/www.pinterest.com\\\/ShieldInsuranceAgency\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC59TWefjvwyIYMqojtvsCsg\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/shieldinsuranceagency\\\/\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#webpage\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/\",\"name\":\"Flood Insurance: What is Covered - Blog | Shield Insurance Agency\",\"description\":\"Physical damage to your building or personal property \\\"directly\\\" caused by a flood are covered by your flood insurance policy.\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/flood-insurance\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/author\\\/shieldagency_7y5dyt\\\/#author\"},\"datePublished\":\"2019-06-22T22:27:54-06:00\",\"dateModified\":\"2023-08-31T12:26:35-06:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/\",\"name\":\"Blog | Shield Insurance Agency\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.shieldagency.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Flood Insurance: What is Covered - Blog | Shield Insurance Agency","description":"Physical damage to your building or personal property \"directly\" caused by a flood are covered by your flood insurance policy.","canonical_url":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#blogposting","name":"Flood Insurance: What is Covered - Blog | Shield Insurance Agency","headline":"Flood Insurance: What is Covered","author":{"@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author"},"publisher":{"@id":"https:\/\/www.shieldagency.com\/blog\/#organization"},"datePublished":"2019-06-22T22:27:54-06:00","dateModified":"2023-08-31T12:26:35-06:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#webpage"},"isPartOf":{"@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#webpage"},"articleSection":"Flood Insurance, Home Insurance, Insurance, Renters Insurance, RV Insurance, Shield Insurance Agency Blog, Umbrella Insurance, Auto Insurance, FEMA National Flood Insurance Program, Flood Insurance, flood insurance policy, Home Insurance, NFIP, personal property"},{"@type":"BreadcrumbList","@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.shieldagency.com\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/category\/insurance\/#listItem","position":2,"name":"Insurance","item":"https:\/\/www.shieldagency.com\/blog\/category\/insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#listItem","name":"Flood Insurance: What is Covered"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#listItem","position":3,"name":"Flood Insurance: What is Covered","previousItem":{"@type":"ListItem","@id":"https:\/\/www.shieldagency.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.shieldagency.com\/blog\/#organization","name":"Blog | Shield Insurance Agency","url":"https:\/\/www.shieldagency.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author","url":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/","name":"Shield Insurance Agency","image":{"@type":"ImageObject","@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/14063c35c483edefd6f2ec1a7c720b71a35d4a774a0e5766b6d5bf28ce49f16f?s=96&d=mm&r=g","width":96,"height":96,"caption":"Shield Insurance Agency"},"sameAs":["https:\/\/www.facebook.com\/shieldagency\/","https:\/\/twitter.com\/shieldagency\/","https:\/\/www.instagram.com\/shieldinsuranceagency\/","https:\/\/www.pinterest.com\/ShieldInsuranceAgency","https:\/\/www.youtube.com\/channel\/UC59TWefjvwyIYMqojtvsCsg","https:\/\/www.linkedin.com\/company\/shieldinsuranceagency\/"]},{"@type":"WebPage","@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#webpage","url":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/","name":"Flood Insurance: What is Covered - Blog | Shield Insurance Agency","description":"Physical damage to your building or personal property \"directly\" caused by a flood are covered by your flood insurance policy.","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.shieldagency.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.shieldagency.com\/blog\/flood-insurance\/#breadcrumblist"},"author":{"@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author"},"creator":{"@id":"https:\/\/www.shieldagency.com\/blog\/author\/shieldagency_7y5dyt\/#author"},"datePublished":"2019-06-22T22:27:54-06:00","dateModified":"2023-08-31T12:26:35-06:00"},{"@type":"WebSite","@id":"https:\/\/www.shieldagency.com\/blog\/#website","url":"https:\/\/www.shieldagency.com\/blog\/","name":"Blog | Shield Insurance Agency","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.shieldagency.com\/blog\/#organization"}}]}},"aioseo_meta_data":{"post_id":"784","title":null,"description":null,"keywords":[],"keyphrases":{"focus":{"keyphrase":"Flood Insurance","score":100,"analysis":{"keyphraseInTitle":{"score":9,"maxScore":9,"error":0},"keyphraseInDescription":{"score":9,"maxScore":9,"error":0},"keyphraseLength":{"score":9,"maxScore":9,"error":0,"length":2},"keyphraseInURL":{"score":5,"maxScore":5,"error":0},"keyphraseInIntroduction":{"score":9,"maxScore":9,"error":0},"keyphraseInSubHeadings":[],"keyphraseInImageAlt":[],"keywordDensity":{"type":"best","score":9,"maxScore":9,"error":0}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":[],"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[],"defaultGraph":"Article","defaultPostTypeGraph":""},"schema_type":"default","schema_type_options":"{\"article\":{\"articleType\":\"BlogPosting\"},\"course\":{\"name\":\"\",\"description\":\"\",\"provider\":\"\"},\"faq\":{\"pages\":[]},\"product\":{\"reviews\":[]},\"recipe\":{\"ingredients\":[],\"instructions\":[],\"keywords\":[]},\"software\":{\"reviews\":[],\"operatingSystems\":[]},\"webPage\":{\"webPageType\":\"WebPage\"}}","pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2021-03-03 00:35:07","updated":"2025-06-04 08:14:59","seo_analyzer_scan_date":null},"_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}]}}