In the aftermath of a hurricane or any other natural disaster, our team at VAC Insurance Agency in Brooklyn, NY, is committed to assisting our clients as they work through the consequences of the calamity. Navigating the substantial expenses resulting from natural disaster damage can prove stressful, but having our team of skilled insurance professionals to guide you in understanding your coverage can make it less daunting. Even though every insurance policy is unique, we are glad to provide general insights on what your flood insurance may cover following a natural disaster that causes damage to your property.

Is Damage from Natural Disasters Covered by Flood Insurance?

While the coverage of policies may vary, some damages caused by natural disasters could possibly be covered by flood insurance. Natural disasters related to fire or those entirely unrelated to flooding are likely not covered by flood insurance. It’s also important to note that if you have already exhausted the limit of your flood insurance policy, you should not anticipate that your policy will cover current flood damage.

If your home insurance does not include flood damage caused by a hurricane, the positive news is that your flood insurance policy might cover it. This highlights the importance of having flood and homeowner’s insurance. Often, flood insurance can bridge crucial coverage gaps left by home insurance policies for natural disasters and flood damage. Considering flood damage can severely compromise the structural integrity of your home, diminish the resale value, and make it unsafe to live in, protecting your home with this kind of coverage is crucial, even if you are unsure of needing it.

For more in-depth information, feel free to contact our office at VAC Insurance Agency in Brooklyn, NY!