Flood insurance policies offer coverage for damage caused to property by flooding, and can cover structural damage to buildings, damage to contents, and additional expenses if the insured property becomes uninhabitable due to flood damage.
Maximum Policy Limit: $5,000,000 per occurrence and in the annual aggregate
Maximum TIV: $10,000,000, except $5,000,000 per story for properties 3 stories or more
Maximum Contents TIV: $5,000,000, except $2,500,000 per story for properties 3 stories or more
Minimum Deductibles: 5% of the TIV, subject to a minimum of $50,000 buildings, $50,000 contents, and 5% on 12 months values B.I.
ACV valuation basis
Available in California, Oregon, and Washington
Coverage can be offered for buildings under construction/renovation
Properties where contents exceed 50% or more of the buildings limits
Properties inside SFHA areas (A-flood zones) negatively elevated by more than 1ft below Base Flood Elevation
Properties located in SFHA V-zones (must have favorable elevations)
Policy limits between $5,000,000 and $7,500,000
Properties with values slightly exceeding the maximum TIV restrictions
Properties with prior minor flood losses or damage
Properties with basements (must have favorable elevation)
Properties located outside of California, Oregon, or Washington
Target premium
Excel formatted SOV
Properties where contents values exceed building limits
Properties with prior significant flood losses or damage
Properties with building valuation below $125 per square foot
Properties located in FEMA designated 'Floodway' areas
Properties designated as having 'Medium' or 'High' mudflow risk
Excluded California Counties: Sacramento County, Montecito
Excluded Zip Codes: 91001, 90272, 93212, 93219
Scroll over the map to discover which products are available by state.
Covered
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