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Los Gatos Insurance Center

Flood insurance policies are designed to protect the insured against direct losses to real and personal property from the peril of flood. Indirect losses, such as additional living expense, rent, rental value, and the enforcement of any ordinance or law regulating the construction, repair, or demolition of buildings are not covered.

A flood policy covers direct loss caused by flood, which is defined as:

  1. A general and temporary condition of partial or complete inundation of normally dry land areas from:
    • The overflow of inland or tidal waters.
    • The unusual and rapid accumulation or runoff of surface waters from any source.
    • Mudslides (i.e., mudflows) which are proximately caused by flooding.

  2. The collapse or subsidence of land along the shore of a lake or other body of water as a result of erosion or undermining caused by waves or currents of water exceeding the cyclical levels which result in flooding as defined by "the overflow of inland or tidal waters."

We can help explain all of this in detail and customize it for your specific needs. Give us a call today.


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