What Does Flood Insurance Actually Cover?

What Flood Insurance Does and Does Not Cover

It’s invaluable, but you need to understand the deductibles, dollar limits, and restrictions of Flood Insurance.

What’s Covered:

Essential systems in the home. This includes electrical and plumbing systems, furnaces, water heaters, central air conditioners, heat pumps, and sump pumps. It also includes cisterns and the water in them, fuel tanks and the fuel in them, solar energy equipment, water tanks, and pumps.

Appliances; Refrigerators, ranges, and built-in appliances such as dishwashers, washing machines, and dryers are all usually covered. Also portable window air conditioners, freezers and the food in them. Food inside refrigerators, however, is not covered.

Carpeting and window treatments; If you have permanently installed carpeting over an unfinished floor, or any other kinds of carpets over wooden floors, your policy should cover them. Your policy should also include window blinds and curtains.

Understand what your insurance policy for water damage and flooding will actually cover.
Understand what your insurance policy for water damage and flooding will actually cover.

Permanently installed paneling, wallboard, bookcases, and cabinets; If you have to replace your cabinets, your policy will pay only for the ones that were damaged. That means that if some cabinets were ruined but others were not affected, you might have trouble getting cabinets that match the older ones.

Foundation walls, anchorage systems, and staircases attached to the building; There is an exclusion for “loss caused directly by earth movement even if the earth movement is caused by flood.”

A detached garage, used for limited storage or parking; You can use up to 10 percent of your total building coverage toward your garage, but that amount will be subtracted from the total amount of building coverage but that amount will be subtracted from the total amount of building coverage available to you.

Personal property; This includes clothing, furniture, and electronic equipment-only if they’re not stored in the basement.

Certain valuables; Your policy is likely to cover items such as original artwork and furs, up to $2,500 in value.

Other coverage:

Some events are covered even if they’re not strictly floods, like groundwater seepage and mudflow. These would include a neighbor’s above-ground swimming pool collapsing, causing the water to flow into your home, or a water main break that damages your home and at least one other in your neighborhood. However, damage caused by a sewer backup is covered only if it’s a direct result of flooding.

What’s Not Covered:

Flood insurance has eligibility requirements and numerous exclusions. For example, furniture or other personal property in a basement, crawl space, or “walkout” basement isn’t covered, including bookcases, window treatments, carpet, TVs, and audio systems.

Federal flood insurance coverage is also capped at $250,000 per building and $100,000 for contents, though you can purchase policies with lower limits.


Contact Pioneer Restoration today to work with your insurance agent and restore your property after a flooding event or water damage.

You can see who we've worked with near you that you might know for a reference by browsing our hierarchical portfolio directory below. For water damage, cities we serve include Bend, Culver, Deschutes River Woods, Redmond, and Terrebonne.