The Brignac Group is a full-service, independent Baton Rouge insurance agency.
The Brignac Group - A Baton Rouge Insurance Agency
Flood Insurance
Floods usually strike without warning. They occur in all 50 states. With the construction of more roads, shopping malls, homes and businesses, the chance of flooding increases. Thousands of families lose their homes and belongings every year - and they never see it coming. Are you insured against such a hazard?
What is covered by flood insurance – And what is not?
Physical damage to your building or personal property “directly” caused by a flood is covered by your flood insurance policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. If the backup is caused by some other problem, the damages are not covered by flood insurance.
General Guidance on what Flood Insurance 'does' Covers
Under BUILDING PROPERTY coverage:
- The insured building and its foundation
- The electrical and plumbing systems
- Central air conditioning equipment, furnaces, and water heaters, refrigerators, cooking stoves, and built-in appliances such as dishwashers.
- Permanently installed carpeting over an unfinished flood, permanently installed paneling, wallboard, bookcases, and cabinets, and window blinds
- A detached garage (up to 10 percent of Building Property coverage): detached building (other than detached garages) require a separate Building Property policy.
- Debris removalur business here.
Under PERSONAL PROPERTY coverage:
- Personal belongings such as clothing, furniture, and electronic equipment
- Curtains, portable and window air conditioners
- Portable microwave ovens, and portable dishwashers
- Carpets not included in building coverage (see above)
- Clothes washers and dryers, food freezers and the food in them
- Certain valuable items such as original artwork and furs (up to $2,500)
General Guidance on what Flood Insurance 'DOES NOT' Cover
Under either BUILDING PROPERTY or PERSONAL PROPERTY coverage:
- Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
- Currency, precious metals, and valuable papers such as stock certificates
- Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
- Living expenses such as temporary housing
- Financial losses caused by business interruption or loss of use of insured property
- Most self-propelled vehicles such as cars, including their parts
