If You Have a Loss Due to a Flood

If you have a loss due to a flood,

A) Your homeowner's insurance should normally cover the loss.
B) You need to have purchased special coverage if you live in an area that has frequent floods in order to be covered.
C) FEMA (Federal Emergency Management Agency) will automatically provide coverage if this is your second flood loss.
D) You need an umbrella policy for coverage.
E) Your additional living expenses coverage will apply if you move to an area that has not flooded in one year.