Having a solid Hartford flood insurance policy can give you the support you need after a disaster like Hurricane Sandy. But flood insurance doesn’t cover everything, and that’s why you need to be aware about some restrictions and limitations of flood insurance, so that you can make up that lack of coverage with other policies, like through your CT homeowners insurance.
The flooding needs to come from outside, not inside.
Pipes bursting and other home appliances malfunctioning and causing flooding in your home doesn’t count on your flood policy, that’s where your homeowners policy kicks in. If the water comes from outside your home via storms, then that’s when flood coverage comes into play.
What about swimming pools?
If your swimming pool causes flooding in your home, that doesn’t count towards your flood coverage. Again, that’s more toward your homeowners policy. Furthermore, if you have landscaping work, liking vegetable gardens or flower beds, those more than likely won’t be covered if they’re damaged from a pool flooding.
Cash or Important Documents? Are they covered?
Flooding insurance policies usually do not reimburse you for loss of physical currency, or other important documents like stock or bond certificates. So make sure those are covered too!
So what can we all learn from this? Well flood coverage kind of works hand-in-hand with CT homeowners insurance. Where one policy won’t cover something, usually the other will. But you need BOTH in order to be fully covered. Don’t go without one or the other, because that could result in unbelievably high replacement costs that would have to come out of your pocket.