Flood Damage Claims
Floods have the potential to be quite dangerous, as well as damaging. This overflow of water can be due to a discharge from a surrounding body of water or from an excess of rainwater. Floods range from very small to very large; floods can develop slowly or suddenly as flash floods.
The National Flood Insurance Program (NFIP) defines flooding as “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows.”
Flooding typically occurs in low-lying flatland where water cannot easily damn. Flooding can also develop in areas where there are impenetrable surfaces such as concrete, where the precipitation cannot be easily absorbed into the ground. When there are instances of extensive heavy rains, this can create an opportunity for flash flooding.
After wildfires, floods are the most widespread of all natural disasters. Approximately 90% of all U.S. natural disasters that have been officially declared by the President of the United States include a degree of flooding. Coastal areas are at particular risk, all areas are at some level of risk of flood and flood damage. Within the last five years, all 50 states have experienced some form of flooding or flash flooding.
Flood insurance covers both the building and its contents. Remember that it is absolutely crucial to know exactly what your insurance policy covers and what it does not cover. In the majority of flood damage cases, it takes 30 days for a flood insurance policy to become active.
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