We’ve had a lot of rain this summer, and flooding has been a big concern for many New Hampshire residents and people throughout New England. If you live in an area that has been spared flood damage thus far, you wouldn’t be unjustified in wondering if it could happen to you next. In some cases, your homeowner’s insurance will cover flood damage, but it is limited. If you are concerned about serious flooding in your area, put your mind at rest by getting NH flood insurance from the Morin Agency!
Unsure if extra flood coverage is worth the cost? Here’s what a typical NH flood insurance policy will cover.
Primary and Detached Structures
The primary structure is, of course, your house. Detached structures include sheds, detached garages, gazebos, fences, and similar structures. Depending on the severity of the flood, there could be damage to your foundation, floors, walls, and roof. Any damage to the structure of your home will be covered by even the simplest flood insurance policy.
Severe Interior Damage
Flood waters can cause damage to the interior of your home as well. If you need repairs to your plumbing or electrical systems, flood insurance will cover those repairs. Flood waters can also seriously damage your flooring, especially carpet, tile, and hardwood.
Personal Belongings and Appliances
A common concern people have is that flood insurance will only cover items that are “nailed down.” However, that’s not the case. Your belongings, such as furniture and electronics, are included in your NH flood insurance coverage. Large and built-in appliances are also covered. Insurance commonly covers your refrigerator, stove, and dishwasher. You can customize your coverage to ensure that it covers other items, for example, your washer and dryer.
Flooding can also deposit large amounts of debris on your property. In cases of severe flooding, it is not uncommon to find trees, your neighbor’s belongings, and other large items that are difficult to remove. Flood insurance can help you pay to remove debris from your property and repair damage to your landscaping.
NH Flood Insurance from the Morin Agency
Our agents at Morin Insurance are familiar with the concerns of our clients because they are our concerns as well. Because we live in the same community as our customers, we understand their needs. If you’re considering adding NH flood insurance to your policy, we will help you get the precise coverage you need.