'Flood insurance is a different ballgame,' said insurance agent Bekka Carlson.
is not going to stay there. If it melts too quickly, even folks not in typical flood zones may have issues. If that water does end up in your basement, you shouldn't expect help from your standard homeowners' insurance policy.Different, because, unlike most homeowners policies, flood insurance comes from the federal government's National Flood Insurance Program. And there are two different kinds of flood insurance: building coverage and contents coverage.
Contents coverage kicks in for other stuff that plugs in, like your washer and dryer, or a spare fridge. Also not covered are the walls themselves: If your basement is finished, you will be the one paying to repair it. Drywall and carpeting are only covered if it's above the basement.
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