Homeowners insurance is vital to protect your home and belongings in case of a loss. Unfortunately, regular homeowners insurance does not protect you from several kinds of flooding-related circumstances. If you want to ensure that your Sandy, UT home has the protection it needs, Christensen Insurance Group can answer your questions about homeowners and flood insurance.

What Does Flood Insurance Cover?

Water can cause truly devastating damage. Flood insurance protects you from any losses directly caused by flooding, including:

• your house
• any critical systems, such as electrical and plumbing
• large and small appliances, including your refrigerator, washer and dryer, toaster, and microwave
• your furniture
• curtains and blinds
• carpeting
• cabinets and shelving
• clothing
• TVs and other electronics
• other personal belongings in your home

What Is Considered Flooding for Use of Flood Insurance?

Flooding is generally defined as when land that is usually dry has an excess of water. That flooding must affect multiple properties or at least 2 acres. Here are some of the circumstances that should be covered by flood insurance:

• When flooding is caused by an overflow of an existing body of water, such as a lake or ocean.
• If the flooding is caused by an excess of water that builds up or because of surface water runoff, such as during a flash flood.
• Mudslides or mudflows caused by flooding.
• When land becomes destabilized or even collapses because waves erode the land.

So rain by itself is not considered flooding, but storms can cause direct damage to your home that should be covered under homeowners insurance. 

It can be confusing, but if you have any questions about Sandy, UT flood insurance, please call Christensen Insurance Group today!