Flood
Flood insurance provides coverage for damage caused by flooding—an exposure that is not covered by standard homeowners, condo, or renters insurance policies. Flooding can result from heavy rainfall, storm surge, snowmelt, or rising water from nearby bodies of water, and it can affect properties both inside and outside of designated flood zones.
Many property owners assume flood insurance is only necessary for homes in high-risk areas. However, a significant number of flood claims occur in moderate- or low-risk zones. Flood insurance helps protect your home, personal property, and financial security from potentially devastating losses that can occur with little warning.
At ISU Elite Insurance, we help Connecticut homeowners and property owners evaluate their flood exposure and determine the appropriate level of protection. Coverage may be available through the National Flood Insurance Program (NFIP) as well as private flood insurance markets, depending on the property and risk profile.
Flood insurance can help cover:
- Damage to the structure of your home or building
- Electrical, plumbing, and HVAC systems
- Appliances and certain personal property
- Cleanup and repair costs following a covered flood event
Because flood insurance policies have specific terms, waiting periods, and coverage limitations, it’s important to plan ahead rather than wait until a storm is approaching. Our team works with you to explain your options and secure coverage that aligns with your needs and budget.