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Water damage vs flood damage You should know the difference

Many homeowners don’t realize flood insurance and water damage insurance are not the same things. Flood damage is not covered by the standard Homeowners policy (HO3).

The main difference between flood and water damage is flood water comes from a natural source, most common being groundwater as a result of heavy rain, early snowmelts or rising rivers.

An insurance adviser from Mountain Insurance can provide you all the answers and guide you through the process of protecting your property from this potentially devastating occurrence.

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Most common Denver Flood Insurance questions from our clients

I don’t live in a floodplain, why do I need Flood Insurance?

As we in Colorado know, floods can happen anywhere, anytime. During the historic rainfall in September 2013, more than 17% of homes destroyed or damaged were not in the floodplain! It is worth weighing the cost of flood insurance vs the cost of potential flood damage.

Is Flood Insurance a separate policy?

Up until recently, it was necessary to purchase a separate policy to insure for flood damage. However, some companies, including Safeco, now offer optional flood coverage on their Homeowner policy for as little as $150 a year.

Is Flood Insurance only available through FEMA?

Maximum coverage from the National Flood Insurance Program (NFIP) is $250,000 for each structure and $100,000 for personal property. Higher limits and/or excess coverage can be purchased through private insurers.

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