If you live in Cincinnati, you know we’re no strangers to severe weather. From flash flooding to the more traditional long-term flooding, it’s always a good idea to be prepared. But what does flood insurance cover? Let’s look.
What Does Flood Insurance in Ohio Cover?
Flood insurance covers the physical structure of your home and any personal belongings damaged by flooding. This can include things like furniture, clothing, and appliances. It’s essential to keep in mind that there are limits to what is covered.
Flood insurance will also typically cover any repairs to your home because of flooding. This can include things like drywall, flooring, and electrical work. Again, it’s important to remember that there may be limits to what is covered. Your Advantage Insurance Network agent can help you understand what is and isn’t covered under your policy.
What Isn’t Covered by Flood Insurance?
While flood insurance will cover some of the damage caused by flooding, there are some things it doesn’t. For example, flood insurance rarely covers the cost of temporary housing if your home is uninhabitable because of flooding. Most policies don’t cover the cost of landscaping or other external features, like pools or decks.
It’s also important to remember that flood insurance has a waiting period before it goes into effect. This waiting period is typically 30 days from purchase. So if you’re in the middle of a storm and need coverage immediately, flood insurance probably doesn’t help you out.
Flooding is always possible here in Cincinnati, OH, so it’s essential to be prepared. While flood insurance won’t cover everything, it can help you recover financially if flooding damages your home or belongings. If you’re considering purchasing flood insurance, talk to an independent insurance agent at Advantage Insurance Network, who can help you find the right policy for your needs.