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NFIP Flood Insurance policies in Illinois

Do you need Flood Insurance?  Are you in a flood zone?  The truth is everyone is in some sort of flood zone - it’s just that some areas are more prone to flooding than others. Did you know that floods happen in all 50 states and 25% of flood claims come from areas that are not considered high risk?  And, did you know that your Homeowners Insurance Policy does not cover a flood claim?  Let Langlois Insurance Agency walk you through the steps to proper Flood Insurance coverage.

So, what does Flood Insurance cover?

Building Property

  • The insured building and its foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces and water heaters  
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
  • Permanently installed paneling, wallboard, bookcases, and cabinets
  • Window blinds
  • Detached garages (up to 10 percent of Building Property coverage).  Detached buildings (other than garages) require a separate Building Property Policy
  • Debris removal

Personal Contents Property

  • Personal belongings, such as clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
  • Carpets that are not included in building coverage
  • Washers and Dryers
  • Freezers and the food in them
  • Certain valuable items such as original artwork and furs (up to $2,500)

What's Not Covered:

  • Damage caused by moisture, mildew, or mold that could have been avoided by the property owner
  • Currency, precious metals, and valuable papers such as stock certificates
  • Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools
  • Living expenses such as temporary housing
  • Financial losses caused by business interruption or loss of use of insured property
  • Most self-propelled vehicles such as cars, including their parts

Preparation is key when it comes to keeping your home and your possessions out of deep water. While the National Flood Insurance Program establishes flood insurance rates, Langlois Insurance Agency can take you through your options and help you understand the risk in your specific area. We're always available to answer any questions you might have about your policy and provide flood prevention tips.

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