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What flood-damaged belongings should I document, clean, save, or replace?

Document flood-affected contents before discarding them, then separate items by material, contamination, cleanability, coverage category, and replacement value. Some nonporous items may be cleanable; porous contents that absorbed contaminated floodwater can be difficult or unsafe to restore. Insuran

Does NFIP flood insurance cover temporary housing or Additional Living Expense after a flood?

The standard NFIP flood policy does not cover Additional Living Expense or temporary housing while the insured building is repaired. A separate homeowners policy usually does not cover the flood damage itself, but disaster assistance or other policy coverage may sometimes help with expenses outside

What is Increased Cost of Compliance (ICC) coverage and when can it help pay for elevation, demolition, or relocation?

Increased Cost of Compliance (ICC) is part of most eligible NFIP building policies and can provide up to $30,000, subject to policy and eligibility rules, toward qualifying mitigation when a community requires compliance after substantial or qualifying repetitive flood damage. Eligible measures can

What does FEMA’s Substantial Damage / 50% Rule mean for a Florida flood-damaged home?

Under the NFIP minimum standard, a structure in a Special Flood Hazard Area is substantially damaged when the cost to restore it to its pre-damage condition equals or exceeds 50% of the structure’s pre-damage market value, excluding land. The local community makes the determination, and a community