Where it rains, it can flood. And since most homeowners understand this, they have purchased flood insurance from Securum LLC in Bellevue, WA to protect their homes from flooding. And not only that. Renters are buying home insurance to protect their assets when floods strike.<\/p>\n
However, like any other insurance, flood insurance has limitations and exclusions. Learning about risks not covered by flood insurance is essential when filing claims. Things not covered by your insurance policy are clearly spelled out in the fine print. But before you go and grab your copy, here are common areas you find not covered by your flood insurance policy.<\/p>\n
Your typical flood insurance won\u2019t cover damage from earth movement, even if the cause of the movement was flooding. For such damage, you will have to rely on your earthquake insurance.<\/p>\n
Flood insurance may cover mold growth resulting from the flooding. However, if mold grows due to poor maintenance, don\u2019t file a claim with your flood insurance because the claim is likely to be ignored.<\/p>\n
Any structure not contained within the walls of your house (apart from a detached garage) isn\u2019t usually covered by flood insurance. So, your yard, patio, fence, and pools aren\u2019t typically covered by standard flood insurance.<\/p>\n
Money, jewelry, and precious metals aren\u2019t normally covered by flood insurance. However, you can consult your insurance agent to clarify the specific high-value items not covered.<\/p>\n
Self-propelled assets like vehicles aren\u2019t typically covered by flood insurance. Please consult with your insurer to understand whether your car is covered if swept by floods.<\/p>\n
Home insurance covers \u201closs of use\u201d if your dwelling is destroyed by a peril listed in your policy. This may not be the case for flood insurance.<\/p>\n
Still not sure what exactly your flood insurance covers and excludes? Please get in touch with Securum LLC in Bellevue, WA for more clarification.<\/p>\n","protected":false},"excerpt":{"rendered":"
Where it rains, it can flood. And since most homeowners understand this, they have purchased flood insurance from Securum LLC in Bellevue, WA to protect their homes from flooding. And not only that. Renters are buying home insurance to protect their assets when floods strike. However, like any other insurance, flood insurance has limitations and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[4,3],"class_list":["post-42","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-bellevue-wa","tag-securum-llc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t