Flood Insurance

Flood insurance addresses a specific gap that many property owners do not realize exists until it is too late. Standard home insurance policies typically do not include coverage for flooding, even when water damage is a major concern in parts of Connecticut. This means that damage caused by rising water, storm surge, or surface water runoff is often handled under a separate policy.

Flood risk is not limited to coastal areas or properties near large bodies of water. In Connecticut, factors such as heavy rainfall, snowmelt, and drainage limitations can all contribute to localized flooding. Because of this, flood exposure can vary significantly from one location to another, making it important to review your risk based on where your property is situated.