Flood Insurance

Flood insurance is an important consideration for homeowners across North America, even those who do not live in a designated flood zone. Standard homeowner’s insurance policies specifically exclude flood damage. Fortunately, flood insurance is available in the U.S. through the National Flood Insurance Program at an affordable cost. 

Your HUB personal insurance broker can advise you on flood insurance options available, including:

  • Water damage loss
  • Excess flood coverage
  • Coverage for backup of sewers and drains.

It is important to work with the right insurance professional to assess specific needs and obtain the right policy choices based on location, limits, and other factors.

Contact a HUB personal insurance advisor today.

Live in a Flood Zone in the US?  Click to find out.

Manage your Flood Risk – learn what to do before, during and after a flood

US:  Flood Risk and Flood Insurance Affordability Act Affects Homeowners Well Beyond the Coasts

Canada:  Protecting Your Home from Floods

Related Coverages

Homeowners InsuranceRenters InsuranceHurricane Insurance

Manage your Flood Risk

Before A Flood

When flood season approaches, below are some simple steps you can take to protect yourself, your family and your home:

  • Develop a family emergency plan. Plan and Practice a flood evacuation route with your family. Download HUB's Emergency Kit to start your plan.
  • Purchase or maintain a battery operated radio for use during storms.
  •  Continue regular upkeep of your home. Check your sump pump monthly, clear debris from gutters, anchor any fuel tanks, and raise your electrical components above your home's projected flood elevation.
  • Keep a copy of important papers and an inventory of possessions (film, photos, videos, etc.) in a waterproof container or safe deposit box in a secure place or off premises.
  • If you live in a high-risk flood region, consider purchasing excess flood insurance.

Determine your flood risk by entering your address at www.floodsmart.gov.

During A Flood

Once a flood occurs, the following are important safety and sanitation tips:

  • Move furniture and valuables away from the water.
  • Move to higher ground or the highest level of your home and avoid areas subject to flooding.
  • Do not attempt to walk across flowing streams or to drive through flooded roadways.
  • If water rises in your home before you evacuate, go to the top floor, attic or roof.
  • Turn off all utilities at the main power switch and close the main gas valve if advised to do so.
  • If you've come in contact with flood waters, wash your hands with soap and disinfected water.

After A Flood

Now that the floodwater has dropped, it is time to start the recovery process. Follow these steps to restore your home and ensure safety for you and your family.

If your home has suffered damage, call your local HUB personal insurance broker to file a claim.

  • Check for structural damage before re-entering your home to avoid being trapped in a building collapse.
  • Take photos of any floodwater in your home and save any damaged personal property.
  • Make a list of damaged or lost items and include their purchase and value with receipts and place with the inventory you took prior to the flood. Some damaged items may require disposal, so keep photos of these items.
  • Keep power off until an electrician has inspected your system for safety.
  • Do not drink the water or use for food preparation until authorities tell you that your water supply is safe.
  • Remove all wet contents immediately to avoid mold.
  • Wear gloves and boots to clean and disinfect.