Does My Insurance Cover Flood Losses?

My home and belongings have been damaged by the flooding in Middle Tennessee?   What are my rights?

First, you need to see if your homeowner’s insurance provides you any protection.  Unfortunately, most homeowner’s insurance excludes damages due to flooding.

Second, check and see if you have flood insurance.   If you asked your agent to get you flood insurance and they did not provide it you may have a claim against your insurance agent.  If you do have flood insurance, contact your agent immediately and get the claims process underway.

Third, while all of this sorts itself out, carefully document all of your losses.  Photograph everything that was damaged.  Make a list of all personal property that was damaged.   If still available, keep records of purchases of things that were damaged. 

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