Nevada Insurance Council Offers Homeowners Tips On Flood Damage

LAS VEGAS, January 7, 2017 – Due to expected flooding in Northern Nevada this weekend, many people might be left wondering what damage will be covered by their insurance policies. The Nevada Insurance Council, a nonprofit consumer education organization, wants to help consumers understand how insurance policies work.

“The first step is to contact your insurance company or read your policy to see if you have flood insurance. Many people do not realize that flood insurance is provided as separate coverage under homeowners and renters policies,” said Michael Geeser, president of the Nevada Insurance Council (NIC). “It is not automatically included with such policies.”

Geeser noted that after a major flood, individual insurance companies also typically set up emergency claim centers on site to help policyholders.

If you are a victim of a flood, inspect your home for damage, especially for cracks in foundations. Take pictures of damaged property and keep notes. Then, contact your insurance agent, Geeser said.

Although flood insurance is available through insurance companies, policies are underwritten and issued by the National Flood Insurance Program (NFIP as part of the Federal Emergency Management Agency)

Contacts for flood safety and insurance information include:
– National Flood Insurance Program (888)CALL-FLOOD

“By helping consumers understand what is covered by their policies and what is not, it’s our hope that the process will be as easy as possible to get people on the road to recovery,” Geeser noted.