¿Qué cubre el seguro contra inundaciones?
Flood insurance is typically an optional type of property insurance that can help protect your inicio against damage caused by flooding. However, in some cases, your mortgage provider may mandate that you carry it.
Most people think you only need this coverage when you live near water, but you don’t have to have a home along the coast or near a river to need it. Even areas considered at lower risk can be vulnerable to flooding due to many other conditions that can cause it, like poor drainage systems, rapid rainfall accumulations, seasonal snow-melting or even construction run-offs.
Historia de supervivencia de Tony y Rita Morello
Watch this video to see how Tony and Rita Morello used their flood insurance coverage to help them rebuild after Hurricane Florence.1
7 Tips to Help Protect Your Property From a Flood
After heavy rainfall, the excess water can cause nearby bodies of water like lakes, streams and rivers to overflow, causing flooding that results in property damage. Flooding can happen anywhere and at any time, so it’s important to always be prepared.
Rearrange Downspouts
Downspouts should carry water several feet away from your property to a well-drained area.
Secure Fuel Tanks
Anchor fuel tanks in basements and outside properties. An unanchored fuel tank can be torn free by floodwater and the broken supply line can contaminate your basement. An outside fuel tank can be swept downstream and damage other property.
Check Your Sump Pump
Perform a checkup on your sump pump, if you have one. Examine and clean it, then pour the water into the pit to make sure the discharge hose carries it away from your property to a well-drained area. Be sure the pipe is on sloped ground so it drains well.
Check All Electrical Components
Measure the height of electrical components such as switches, sockets, circuit breakers and wiring to make sure they are 12 inches above the flood line. If you need to make changes, contact a licensed electrician.
Practice Makes Perfect
Practice your flood evacuation with your family. Plan a route that everyone knows and practice taking it. Identify an out-of-state relative or family friend to contact in case your family is separated during a serious flood, and make sure everyone in the family knows their contact details.
Elevate
Your furnace, water heater, washer and dryer should all be 12 inches from your basement floor. To raise them to this level, place them on top of masonry blocks, concrete, or pressure-treated lumber.
Tighten Window Wells
Make sure window wells at ground level are watertight. Window covers that can be bolted in place are most effective in keeping water out.
Consider flood insurance to protect your home if:
- You live in a cold climate where the ground freezes and snow accumulates. In settings like this, the ground closest to your house thaws first and melted snow can saturate the unfrozen ground nearby and spill into your basement.2
- You’re at risk for wildfires. These disasters can scorch the land around your home and destroy all vegetation. In the year following, the lack of vegetation can lead to flash flooding and mudflows during rainy seasons which can ruin your home.3
- La zona en la que vive experimenta prolongados períodos de frío que hacen que los ríos se congelen. If the water level rises or a thaw breaks the ice into big chunks, those chunks of ice could end up creating a dam, resulting in flooding.2
Don’t assume that disasters like these won’t happen to your home. Los paisajes y los patrones climáticos cambian constantemente y esto puede dar como resultado inundaciones inesperadas. Some areas are even more likely to experience flood damage than they are to suffer fire damage.4 To learn more, contact an insurance agent de The Hartford.
Are You a Business Owner?
Does Homeowners Insurance Cover Flood Damage?
La mayoría de las pólizas de seguro para propietarios de viviendas no cubre daños por inundaciones. Even though this essential extra layer of protection is optional, it’s still important and can be purchased as an additional coverage.
Flood insurance rates in the National Flood Insurance Program (NFIP) are established by the federal government. As a result, all companies that provide NFIP policies will use these same rates to determine your cost for coverage. Quotes given for flood insurance are based on your geographic location, the flood risks associated with area in which you live, and construction details specific to your home.
Since rates are the same, additional value comes in choosing a company that provides exceptional service.
The Hartford's Flood Insurance Plan features specialists ready to answer your questions and provide you with a fast, personalized quote. If you choose to purchase flood insurance coverage through this program, you can rely on our highly rated customer service team to support your flood insurance policy needs. En caso de que necesite presentar una reclamación por inundación, puede comunicarse con nosotros en cualquier momento a través de nuestra línea directa de reclamaciones durante las 24 horas.
Most communities are part of the National Flood Insurance Program (NFIP), and as long as yours is, you can receive coverage. Get a quote and learn how The Hartford's Flood Insurance Plan can protect your home.
¿Está afiliado a AARP y busca una cotización de seguro contra inundaciones?
The Hartford ofrece la cobertura del Programa nacional de seguros contra inundaciones a los afiliados de AARP.
Get a quote quickly and easily by getting a quote online or calling 800-296-7542 to speak with one of our flood insurance specialists. We’re eager to answer your questions and assist you in getting the kind of flood coverage you need.
- Prepárese: Elabore un plan de emergencia
- Preguntas frecuentes sobre FEMA: Encuentre respuestas sobre cómo adquirir un seguro contra inundaciones y por qué lo necesita
- Learn more: FEMA’s National Flood Insurance Program
Find Out More About Flood Insurance
Más información
Todas las pólizas están sujetas al Programa nacional de seguros contra inundaciones.
1 El hecho de que The Hartford publique este video en este sitio no significa ni implica ninguna aprobación por parte de FEMA o por algún empleado de FEMA respecto a los productos, servicios o actividades de The Hartford. Tony y Rita Morello no son asegurados de The Hartford. FEMA Video - July 24, 2019.
2 FEMA.gov, “Winter Flood Risk.”
3 FEMA.gov, “Flood After Fire.”
4 FEMA.gov, “How Can I Review A Flood Map That Is Being Updated?”
The Hartford participa en el programa federal Write Your Own (WYO), parte del Programa nacional de seguros contra inundaciones administrado por la Agencia Federal para el Manejo de Emergencias (FEMA). Las pólizas de seguro contra inundaciones WYO están suscritas por el gobierno federal y son emitidas, vendidas y administradas por compañías de seguros privadas y autorizadas, entre ellas, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest y Hartford Underwriters Insurance Company. En consecuencia, las pólizas de seguro contra inundaciones WYO de The Hartford se emiten sujetas a la totalidad de normas, regulaciones, términos, condiciones y disponibilidad del Programa nacional de seguros contra inundaciones.
Este sitio describe en términos generales las coberturas y los servicios que pueden adquirirse a través de una póliza de seguro contra inundaciones WYO de The Hartford. Todas las pólizas deben examinarse atentamente a fin de determinar si son adecuadas para sus necesidades e identificar cualquier exclusión, limitación y otros términos y condiciones que puedan afectar específicamente la cobertura. En caso de conflicto, regirán los términos y condiciones de la póliza. Todos los servicios y coberturas que se describen en esta página pueden ser ofrecidos por una o más de las compañías subsidiarias de seguros de propiedad y accidentes de The Hartford Financial Services Group, Inc.
Este sitio describe en términos generales las coberturas y los servicios que pueden adquirirse a través de una póliza de seguro contra inundaciones WYO de The Hartford. Todas las pólizas deben examinarse atentamente a fin de determinar si son adecuadas para sus necesidades e identificar cualquier exclusión, limitación y otros términos y condiciones que puedan afectar específicamente la cobertura. En caso de conflicto, regirán los términos y condiciones de la póliza. Todos los servicios y coberturas que se describen en esta página pueden ser ofrecidos por una o más de las compañías subsidiarias de seguros de propiedad y accidentes de The Hartford Financial Services Group, Inc.
Divulgaciones adicionales a continuación.