Does my homeowner's insurance policy cover flooding?
Homeowners insurance usually does not cover flood damage. Many property owners discover too late that their homeowners insurance policy will not pay when their homes are damaged by common geological processes such as earthquakes, expansive soils, floods, hurricanes, or landslides. Most homeowners have the impression that their "all perils" insurance policy would pay for almost any type of damage that their home would experience, so it is important to read the exclusions statement on the policy or ask their insurance agent.

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1. If I have sinkholes above a pipe or around a stormwater inlet, will the county fix them?
2. What can the county engineer do about the neighbor who has altered the grading of his lot and has increased/decreased the flow to my property?
3. Will the county clean the creek or ditch on my property?
4. Does a recorded drainage easement mean the county owns the property?
5. If there is a recorded easement on my property is the county responsible for mowing the grass and trimming bushes?
6. Is the county responsible for my home builder or my neighbor's home builder altering the drainage paths in my subdivision.
7. If I buy a brand new house in an unfinished subdivision, who is responsible for maintenance of my yard and the structures?
8. How do I obtain or review the flood map for my area?
9. What is a Special Flood Hazard Area (SFHA)?
10. I have looked at the Flood Insurance Rate Map (FIRM) for the area of my property and think the map is wrong. How can the map be changed?
11. My lender says I need to buy flood insurance, but my lot is not shown in the SFHA.
12. If my house is within the SFHA, but it was built at an elevation above the required Base Flood Elevation (BFE), what can I do?
13. Does my homeowner's insurance policy cover flooding?
14. Can I get flood insurance even if I am not in a floodplain?
15. How do I obtain a copy of the Elevation Certificate for my property?