Need to know: Answers

Flood policies pay for direct physical loss by or from flood. For example, if a sewer backs up into a client’s home because of flooding in the area, the damage is covered. If the backup has a different cause (such as tree roots around a line) it’s not covered by flood insurance.

Sandy and Jerry Cash

Sandy and Jerry Cash

In addition to the building and its foundation, building coverage pays for permanent items such as plumbing and electrical systems; HVAC systems; water heaters; refrigerators, stoves and built-in dishwashers; permanently installed paneling, wallboard, bookcases and cabinets; and debris removal.
Some items that are often located in basements—such as a furnace, hot water heater and circuit breaker—are also covered by a structural policy. Other items that may be in a basement, such as a washer and dryer, are only covered through personal property coverage as described below.

Personal property
Clothing, furniture and electronic equipment are covered, but so are appliances that are not permanently installed, such as portable microwaves, dishwashers and air conditioners, as well as window air conditioners. Clothes washers and dryers are also considered personal property, as are food freezers and their contents. It’s a good idea to have an inventory of your home in case you need to make a claim.
Some valuable items, such as original artwork and furs, are covered up to $2,500 under flood insurance.

When you are dealing with flood damage, the last thing you need is a surprise. Ask your agent for a full list of coverages and exclusions at the time of application. Examples of what is not covered include:
Property outside a building such as swimming pools, hot tubs, decks, patios, fences and walkways, as well as septic systems. Plantings are also not covered.
Certain high value items.
Currency (including rare coins), precious metals and stock certificates.
Damage that could have been avoided. — This includes moisture, mildew or mold resulting either from a pre-existing condition or from lack of timely remediation.
Also excluded are payments for living expenses, such as temporary housing, and financial losses caused by business interruption or the loss of use of insured property.

In this Third month of recovery, Tangipahoa residents, Sandy & Jerry Cash, offer their thanks to God for Integrity Insurance and all the people of faith who came to help.