Flood damage is not covered by a homeowners policy
In the aftermath of Tropical Storm Isaias, Insurance Commissioner Andrew N. Mais is reminding policyholders to review their homeowner’s insurance policy and understand their coverage as the state heads into the height of the 2020 Atlantic Tropical Storm season.
In Connecticut, the peak hurricane season begins in mid-August and runs through late October. High winds, tree damage, hail, flooding, and runoff can bring devastating losses each year. Among all natural disasters, floods are the most common and most costly.
Policyholders should discuss with an agent or insurance company if their current coverage is appropriate and adequate. It's important to understand how insurance policies work and what is covered, should another disaster strike.
While many of us managed to avoid the damaging effects of flooding from Tropical Storm Isaias, we don’t have to look too far back to Storm Sandy and Irene which devastated our communities with costly flood damage. As there is a 30-day waiting period before the policy takes effect, now is the time to purchase flood insurance to protect your home.
Homeowners, condo, and renters insurance cover most types of damage including tornado, hurricanes, severe storms, rain, wind, and fires. Damage from flooding is excluded from homeowners, condo, and renters insurance, but separate policies can be purchased from the Federal Emergency Management Agency (FEMA) National Flood Insurance Program (NFIP) or a private insurer.
Your insurer can only cover what it knows you lost, which is why it is important to keep accurate records for filing claims in the future. Expensive items such as art, collectibles, or jewelry require additional coverage and must be appraised before getting a separate policy. You also should store your inventory record and insurer's contact information somewhere besides your house, or digitally where you can retrieve it at any time. There is also a smart phone home inventory APP to help with that.
The Department’s “Be Prepared” page offers consumers numerous resources that address the risks of hurricane season.
You can also download the CTPrepares Mobile App to receive real-time emergency notifications and public safety messages.
Preparation to safeguard property includes:
- Make an inventory of belongings
- Keep your policy and insurance contact information in a safe place
- Review your policy with your agent or company to determine what is covered – Coverage FAQs
- Understand the claims process – Tips for Making a Storm Claim
- Determine whether you are at risk for floods and would need special flood insurance – most homeowners policies do NOT cover flooding
The Department’s Consumer Affairs Division is available to assist policyholders with answers to questions by
- Ask a question or file a complaint online
- Email us at insurance@ct.gov
- Call the Consumer Helpline at 800-203-3447 or 860-297-3900.