Property Insurance policies don’t cover damage from floods and storm surges, Flood damage in NJ, Storm damage in NJ

9/17/2020 (Permalink)

Property Insurance policies don’t cover damage from floods and storm surges, Flood damage in NJ, Storm damage in NJ

Property Insurance policies don’t cover damage from floods and storm surges, Flood damage in NJ, Storm damage in NJ

The rule of thumb with Property Insurance is that if water touches the ground before entering your home, the incursion is technically considered to be a flood. And covering your Property for flooding requires a separate insurance policy.

A storm surge isn’t a flood technically speaking, but its consequences still aren’t covered. According to the International Risk Management Institute, court cases have deemed a storm surge to be “little more than a synonym for a ‘tidal wave’ or ‘wind-driven flood,’ both of which are excluded under most property insurance.

Your Property insurance will, however, protect you against damage from the rain and wind of a hurricane. Be aware, though, that a different (and higher) hurricane deductible will apply in a number of states, especially when it comes to wind effects. 

Unlike floods or earthquakes, tornadoes usually don’t require special coverage. The insurance industry classifies tornadoes as windstorms, and windstorms are covered by most insurance policies. But, your Property insurance policy likely won’t pay for repairs if you neglected a rotted tree, which then fell onto your home during a tornado and caused damage.

Discuss your Property Insurance Policy with your Insurance Agent, to determine what your Property is covered for.

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