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Included Contents Coverage
Clothing, furniture, and electronic equipment
Air conditioners (portable and window units)
Microwaves and dishwashers that are portable
Carpeting that is not already included in property coverage
Clothing washing machines and dryers
Included Building Coverage
The insured building and it’s foundation
The electrical and plumbing system
Central air conditioning equipment, furnaces, and water heaters
Refrigerators, cooking stoves, and built-in appliances such as dishwashers
Installed carpeting over unfinished flooring
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself.
Most common reimbursement methods for flood claim
Replacement Cost Value (RCV)
It is the cost to replace damaged property which is reimbursable to owners of single-family primary residences insured to within 80% of the buildings replacement cost
Actual Cash Value (ACV)
All other buildings and personal property (i.e. contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.