Does My Homeowners Insurance Cover Flooding?


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One of the first things homeowners will purchase after buying a home is home insurance. Homeowner's insurance is needed to protect your home and valuables in the case of an emergency. Without it, you can be spending thousands of dollars on repairing your home and replacing lost valuables.

But will your homeowner's insurance cover flood damage? Yes and no. If an accident such as your water heater explodes or a burst pipe, your homeowner's insurance will cover the damages.

However, in the case of a flooding incident caused by rising waters, you will not be covered. Unless your purchase additional flood insurance. You can purchase flood insurance through your insurance agent or the National Flood Insurance Program.

While flood insurance may seem like an added expense that you don't need, at Holt Flood Insurance, we highly recommend purchasing it because, without it, you could be spending thousands of dollars on repairs alone.

Flooding can happen at any time and anywhere, regardless if you live in a flood zone or not. Storms are increasing each year, bringing large amounts of rain and snowfall.

This increase causes dams and floodgates to overflow, spilling into the streets, which could eventually find a way into your home. There are many ways you can prevent this, such as elevating your home, filling in basements, adding floodgates, and more.

But water can still find a way inside, so the best way to protect your home and valuables is by purchasing flood insurance. And whether you are new to flood insurance or looking for a better rate, Holt Flood insurance is here to help.

With over 30 years in the flood insurance industry, there has never been a problem that Timothy Holt couldn't solve. He can take a look at your current rate and find one that works better for you. And if you are new to flood insurance, he can help you through the steps to better understand all the details.

If you're still wondering if you should purchase it, remember, it's better to have flood insurance and not need it than not to have it and need it.

For more information on flood insurance, visit our website or give us a call at 1(540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today!



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Does My Homeowners Insurance Cover Flooding?

Here is what our clients are saying about us:

I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
Mike Edwards

I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
Edward Semambya, CPA

We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
Ken Reuwer


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