According to Idaho.gov, “flooding is perhaps the single most common, costly, and predictable natural hazard in Idaho.” It’s important for homeowners in Idaho Falls, ID to understand how flood insurance works before the house is full of water. 

Separate Policy Required

Most standard policies do not include flood coverage. Instead, you must purchase additional coverage either through your current company or a different one. It’s always important to work with an agent at Insure It All to ensure you have proper coverage before a disaster. 

Covered Events

This type of coverage does not cover all water damage. A flood is defined as water rising from the ground up. This means that water from a leaking roof, a failed septic pump, or other things is usually not covered. Some policies specify that the damage must cover a certain number of acres, including flooded yards, to qualify. 

Will It Cover Water Removal?

In most cases, this type of coverage will cover water removal. It may also cover debris removal if there was structural damage. Some policies offer limited coverage for personal belongings while others do not cover them at all. Many policies will provide coverage for structural damage, such as new basement walls, but won’t provide coverage for things that are considered aesthetic, such as new paint. 

Coverage varies greatly per company. It’s important to work with representatives here at Insure It All to learn more about what your policy covers. We can also help you learn more about additional coverage that is available for purchase. Contact us today. We’re currently serving the Idaho Falls, ID area. We also offer other types of coverage for your home and business.