Water has the potential to do more damage than fire. Whether water exposure is from heavy rain, a leak or a hurricane, it can ruin an entire Scranton, PA living space.

The average person doesn’t know if flood insurance is different from hurricane insurance, and for good reason. There is a general assumption that all water damage is the same.

Let’s cut to the truth of the matter.

Floods Are Not the Same as Hurricanes

Damage caused by water from a hurricane is considered different from damage caused by flooding. Flood insurance is completely separate from hurricane insurance. Every homeowner should be aware that standard home insurance policies do not cover damage from flooding.

Distinct flood insurance policies are available from insurance providers such as Bartal Insurance and the National Flood Insurance Program or NFIP for short.

Recognize the Value of Flood Insurance

Flood insurance covers the cost of damage to contents within a home. The insurance pays out in accordance with the value of possessions minus depreciation.
There is also the potential to add replacement cost coverage. Such coverage replaces property lost during flooding with brand new property without accounting for depreciation.

Hurricane Insurance Isn’t Limited to Water

One of the primary distinctions between hurricane insurance and flood insurance is that hurricane insurance includes damage caused by wind and storms. Flood damage is not a core component of hurricane coverage.

Though flood insurance is often stereotyped as egregiously expensive, it is often worth every penny. Get several quotes for hurricane insurance and flood insurance, compare the coverages and rates, and you’ll have all the information necessary to make an informed decision.