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Many homeowners are surprised to learn that their standard insurance policies don’t cover flood damage. Flooding can result from heavy rains, melting snow, or even nearby construction. Without flood insurance, the costs of repairing and rebuilding after a flood can be overwhelming. Even in Colorado, where flooding might not seem common, risks still exist. To better understand why it’s important, check out our blog: Why Coloradoans Should Consider Flood Insurance. Interested in knowing your flood risk. Check HERE

What Does Flood Insurance Cover?

With flood insurance, you’ll have protection for:

• Structural Damage: Coverage for your home’s foundation, walls, and flooring.
• Personal Belongings: Replacement for furniture, electronics, clothing, and more.
• Electrical and Plumbing Systems: Repairs to wiring, HVAC systems, and water heaters.
• Appliances: Protection for refrigerators, stoves, and other major appliances.
• Detached Structures: Coverage for garages or sheds on your property.

Flood insurance ensures you won’t have to face the financial burden of recovery alone.

Flood Insurance vs. Standard Homeowners Insurance

It’s a common misconception that homeowners policies include flood coverage. Flood insurance is a separate policy designed specifically for water damage caused by flooding, which is often excluded from standard policies. By adding a flood insurance policy, you’re fully protecting your home and assets from the unexpected.

Why Choose The Mitchell Insurance Group for Flood Insurance?

At The Mitchell Insurance Group, we understand that navigating insurance options can feel overwhelming. That’s why we’re here to make the process simple. With access to multiple carriers, we’ll help you compare plans and find the right flood insurance for your home.