Flood Insurance Information and Tips

Typical homeowners insurance policies do not include flood insurance, which is sold as separate coverage by licensed insurance agents. There is a 30-day waiting period from the time you purchase a flood insurance policy before coverage actually becomes effective.

The National Flood Insurance Program (NFIP) provides coverage to communities that have enforced flood plain management ordinances. In Ohio, the average annual policy cost is approximately $500 or more. The Ohio Department of Natural Resources (ODNR) oversees community eligibility. A person is not required to live in a flood plain area to purchase a policy, which becomes effective after the waiting period.

Flood insurance does not cover damage to property directly caused by rain entering through an opening in a wall or the roof. These types of losses may be covered by traditional homeowners policies. In addition, traditional policies do not usually cover flooded basements caused by backed-up sewers or the inability of sump pumps to handle runoff water from major downpours, but add-on coverage can be purchased.

Ohio Department of Insurance severe weather planning and claim tips:

Advance Insurance Planning Tips:

• Examine your homeowners/rental coverage as well as auto policies to determine if you need to revise your policy to reflect any improvements or changes that will affect your coverage needs.
• Be sure you have adequate coverage and deductibles that are reasonable for your needs.
• A home inventory will assist in settling claims. Keep the inventory off-premises.
• Consider purchasing a flood insurance policy through the NFIP if you are eligible.
• Ask your insurance agent about whether a policy rider for flooding from sewer backups or sump pump issues is appropriate to add to your policy.

If You Have Suffered Damage to Your Property Due to a Storm:

• Call your insurance company as soon as you can. Be sure your agent knows how to contact you.
• Take reasonable steps to prevent additional damage if permitted by public safety authorities and if you will not endanger yourself.
• Closely inspect property and cars for damage. Note and photograph any damage.
• If required to seek temporary housing, check your policy for "loss of use" coverage.
• Be sure everything is considered in your claim. Back up claims with written estimates.

Ohio insurance consumers with questions and concerns about their insurance can call the Department's consumer hotline at 1-800-686-1526.

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