Since flood damage isn’t covered by home insurance, most homeowners in Marietta, GA invest in flood insurance to ensure they are protected when the worst strikes. While flood insurance from LG Insurance Group covers your building and its contents, it has exclusions like other coverages. In light of this, typical flood insurance doesn’t cover the below risks:
When the sewer lines are blocked or malfunctioning, causing flooding in your house, flood insurance won’t cover the damage unless the cause of the sewer backup is flooding. Similarly, flood insurance won’t cover in-house flooding. For instance, if broken pipes cause flooding in your house, the resulting damage will be covered by home insurance.
Any damage caused by earth movement won’t be covered by flood insurance, even if floods cause the movement. For such damage, you have to use your earth movement coverage.
Typical flood insurance may cover mold damage resulting from floods. However, flood insurance doesn’t cover any moisture-related mold not caused by flooding.
Apart from the garage, any detached structure is usually excluded from your flood insurance policy. So, home insurance doesn’t cover patios, fences, yards, lawns, and other outdoor properties.
A typical flood insurance policy doesn’t cover your vehicle and other movable properties. Check your auto insurance policy to see whether it covers flooding.
Additional living expenses
Should floods make your house unlivable, typical flood insurance won’t cover the additional living expenses you incur as your home is undergoing repairs. Typically, home insurance covers "loss of use" but excludes floods.
Learn more about flood insurance
Need more insights about flood insurance? If you are in Marietta, GA, or the surrounding area, you can never go wrong with LG Insurance Group. Contact us to learn more about flood insurance. We will help you secure affordable coverage, too.