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Old 02-27-2015, 04:30 PM
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Quote:
Originally Posted by tuccillo View Post
IIRC, for flood insurance to kick in you need rising water and something like 2 out of 3 neighbors must have also had flooding (or something like that) - the insurance guy who posted earlier, please help us out here!
The policy definition of a flood is:

1. "A general and temporary condition of partial or complete inundation of tow or more acres of normally dry land area or tow or more properties (one of which is your property) from:

a. Overflow of inland or tidal waters,

b. Unusual and rapid accumulation or runoff of surface waters from any source.

c. Mudflow

2. Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in flooding as in A.1.a above.

There you have it in clear and concise government terms. Flooding does not have to come from a hurricane or rain fall. Example a car hits the fire hydrant across the street. The water floods the street your yard or your yard and your neighbors yard and enters your home. You have a covered flood under the flood policy. Please not the policy only covers your home (and content items if you have contents coverage). It does not cover your landscaping or drive or anything outside your house other than your AC unit.

Hope this helps.

https://www.floodsmart.gov/floodsmart/