Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Floods can happen anywhere and without warning. 25% of homes with flood claims each year are in low risk zones just like yours. Give yourself and your family the peace of mind of knowing that they are protected should a flood happen. It will take a full 30 days from the time your policy is purchased to be valid so waiting to make this decision is a serious risk.
The physical effects of mold contamination, which range from irritating symptoms akin to seasonal allergies to death, continue to gain national recognition and scientific support. Click here to find out more about mold and how to ensure that your home and property are safe to live in.
If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.
Voluntary flood insurance policies are not enforced until 30 days after purchase.