Flood Insurance in California
When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.
In reality, most floods in San Francisco Bay Area are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars.
If you’re looking for flood insurance in San Francisco we’ve got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It’s just that some flood zones are worse than others in San Francisco Bay Area.
In most situations, you will have a 30 day waiting period when you buy flood insurance, so don’t wait until it’s too late! Call Now 1-415-242-8100 or Schedule an Appointment.
Homeowners insurance does not cover flood damage
Regardless of whether you live in San Francisco or any other part of California, flood insurance has to be purchased as a separate, stand-alone policy.
It is not covered by homeowners insurance.
Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.
If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
CA Dept of Insurance 0659943