Flooding isn't limited to coastal communities or major hurricanes. In Michigan, heavy rainfall, rapid snowmelt, overflowing waterways, and other events can contribute to flooding and water accumulation.
Even a relatively small amount of water can cause significant damage to a home's structure, foundation, mechanical systems, and personal belongings.
One important consideration for Michigan homeowners is that standard homeowners insurance generally does not cover damage caused by flooding. A separate flood insurance policy may provide coverage for certain flood-related losses, subject to the policy's terms, conditions, limits, and exclusions.
Mason-McBride can help you evaluate whether flood insurance makes sense for your property and explore available coverage options.
Request a Flood Insurance Quote
Flooding vs. Other Types of Water Damage
Not all water damage is considered flooding, and the source of the water can affect whether a loss is covered.
For example, flood insurance is designed for certain flood-related losses, while other types of water damage may fall under homeowners insurance or require different coverage, depending on the circumstances and policy language.
Potential sources of water damage can include:
- Heavy rainfall and surface water accumulation
- Overflowing rivers, lakes, or other waterways
- Rapid snowmelt
- Sewer or drain backups
- Burst pipes or plumbing leaks
- Roof leaks
- Water entering through windows or other openings
These situations are not necessarily treated the same way by an insurance policy. A coverage review can help you understand where your current homeowners policy may apply and where separate coverage may be worth considering.
Get a Flood Insurance Quote
If you're purchasing a home, reviewing your homeowners insurance, or simply want to better understand your property's flood exposure, Mason-McBride can help you evaluate your options.
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