We offer insurance by phone, online and through independent agents. In fact, one in five flood insurance claims comes from someone in a low - or medium-risk area. The situations that cause flooding-heavy rain, melting snow, severe coastal weather-can happen anywhere. Here's why the National Flood Insurance Program (NFIP) recommends flood insurance to everyone: You might even be required to have it if you live near a river or body of water. The National Flood Insurance Program advises homeowners to buy flood insurance coverage, especially if you're in an area that has a high flood risk. Learn more about how flood insurance works and what flood insurance covers. Carpeting and personal property are generally covered, too, unless they're in the basement. The NFIP offers $250,000 in coverage for your home's structure. Built-in home appliances, like refrigerators, dishwashers, and stoves, are typically covered as well. Specifically, the core parts of your home-like the home foundation and the systems that keep it running-are typically covered. Generally, most of your house is covered by flood insurance. What flood insurance coversĪ flood insurance policy typically covers you if groundwater rises and floods your home-a situation that isn't usually covered by homeowners insurance policies.

To find an agent, call (866) 373-5663.For many homeowners, flood insurance is an essential extra layer of protection. Wright Flood takes pride in user-friendly technology, exceptional claims reputation and providing service customers deserve. Agents and consumers may visit us at and. Wright National Flood Insurance Company, the largest flood insurance provider in the nation, offers federal, excess and private flood insurance with leading industry specialization, rated A- (Excellent) by AM Best. Policyholders with the National Flood Insurance Program (NFIP) can speak to their insurance agent, or reach out to a Wright Flood agent at or (866) 373-5663, to learn more about the extent of coverage in their policy and how flood insurance can help close the coverage protection gap for their home.Ībout Wright National Flood Insurance Company Does the flood insurance policy include both building and contents coverage?.What's the difference between Replacement Cost Value and Cash Valuation?.How will a higher deductible impact a claim?.These floods occur when water rises quickly and are often difficult to predict.Ī local insurance agent is an invaluable resource for homeowners when seeking clarity on a flood policy. Flash Floods – Flash flooding can impact any community regardless of the region or natural landscape.Rivers and streams can swell and cause dangerous flooding due to strong atmospheric currents, tropical storm systems, rivers' rising high-water levels and more. Inland Flooding – Even lower-risk inland areas are in danger of costly flood events.In minutes, these powerful surges generated by storms can cause irreversible damage. Storm Surges – Coastal communities are at the highest risk of the destructive flooding caused by storm surges.Inland communities, as well as coastal areas, are more at risk for flood events than ever.įlood insurance is needed for coverage against: counties have been impacted by significant flood events. FEMA historical sources report a staggering 99 percent of U.S. Flood damage is typically designated when water overflows from the ground into the home, which would trigger coverage by flood insurance.Īcross the country, weather patterns are evolving, and storm intensity continues to increase. When water enters the property from above, damage may be covered by homeowners' insurance with a few exceptions. Property owners often believe their homeowners' insurance protects them against all severe weather incidents when, in fact, flood damage is excluded under standard homeowners' and renters' insurance policies.Ī key distinction homeowners should be aware of when it comes to what counts as flood damage is where the water originates. However, most homeowners don't carry the insurance coverage needed to help recoup financial losses from flood-related damage.

Department of Homeland Security's website, floods are the most common natural disaster in the U.S. As the flood insurance specialists, Wright Flood's mission is to educate consumers on what to look out for in their insurance policies to help ensure complete protection when disaster strikes.'Īccording to the U.S. 'Most people assume that their homeowners' insurance covers damage caused by severe weather but unfortunately, that's not always the case,' said Patricia Templeton-Jones, the company's president and chief program advocate. Wright Flood helps educate consumers on what to look out for in their flood policies to ensure complete protection.

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