Falcigno Group, LLC

Flood insurance protects homeowners against losses from a flood; if a home is located in a flood plain, the lender will require flood insurance before approving a loan.  Disasters like hurricanes, river floods, floods caused by rain, dam or levee failure or by clogged storm drains are all examples of claims that would likely fall under the protection of a flood insurance plan.  Homeowner's insurance does not cover most instances of flood damage.