Does Flood Insurance Only Cover Natural Floods

Flood insurance is something that most people never need and that most people cannot benefit from. That being said, you should take the time to figure out if you need flood insurance at all or if it is a coverage that you can do without. For those in the Dorchester, MA area, the agents with Vargas & Vargas Insurance can help you find out if you need a flood policy or not.

Flood insurance works to cover flood damage from natural flooding only. This means that it covers flooding that is caused by some outside water source. Flooding from broken pipes is covered in your normal home insurance policy. Flood insurance is something that is not required and that is not going to be beneficial for all users. Flood insurance is something that is going to work well for your home if you live in an area where you are near water, in an area where you are near flood planes or where flooding is possible.

Flood insurance does not cover flooding that is associated with things like holes in the roof from storms, burst pipes, or other things that would otherwise be covered on your normal home policy. When buying flood coverage, it is always best to take the time to really look at what the coverage is all about and see if you can truly benefit from it. For the most part, you are not going to need to use a flood policy and your home policy is going to cover some flooding to a certain extent. For those in the Dorchester, MA area, the agents with Vargas & Vargas Insurance can help you determine if you need a flood insurance policy or if your home policy is sufficient for your needs.