Protect Your Home With Acuity's New Limited Inland Flood Insurance

Flooding can happen almost anywhere, and it's one of the most common natural disasters in the United States. That's why Acuity has introduced a new Limited Inland Flood Coverage to help protect your home from unexpected flood damage caused by heavy rainfall, snowmelt, or overflowing rivers and streams.

What Is Inland Flooding?

Inland flooding occurs when normally dry land gets inundated with water due to various natural events. Unlike coastal flooding, which is caused by ocean storms and hurricanes, inland flooding can happen far from any coastline. Here are some common causes of inland flooding:

• Overflow of Streams or Rivers: Heavy rainfall or rapid snowmelt can cause rivers and streams to overflow their banks, leading to flood damage in nearby areas.

• Heavy Rainfall: Intense and prolonged rainfall can overwhelm drainage systems and cause water to accumulate on the surface, leading to flood damage.

• Snowmelt: Rapidly melting snow sometimes causes water to accumulate in yards and seep into homes, causing flood damage.

Inland flooding can cause significant damage to homes and properties, even in areas that are not typically prone to flooding. This type of flooding can affect anyone, regardless of whether they live near a body of water. 

What Is Inland Flood Insurance?

Inland flood insurance is an endorsement that covers financial losses when ordinarily dry land floods.

What Does It Cover?

Acuity's Limited Inland Flood Coverage offers protection for:

• Damage to your home's structure: This includes walls, floors, cabinets, and appliances.

• Damage to personal property: Covers items like furniture.

• Extra living expenses: If you need to relocate while repairs are made, this coverage helps with additional living expenses, subject to limits.

• Removal of fungi, mold, or rot: Coverage includes the removal of fungi, mold, or rot caused by flooding, subject to limits.

Who Is Eligible?

This coverage is available for homeowners, condo unit owners, tenants, and landlords with Acuity homeowners’ policies that include water backup and sump overflow coverage.

It's important to note that homes in FEMA-designated flood zones are not eligible for this coverage.

How Much Does It Cost?

Most Acuity homeowners can add $50,000 in flood coverage with a $1,000 deductible for less than $65 per year, making it affordable to protect your home from unexpected flood damage.

Example Scenario

Imagine a scenario where a heavy rainstorm causes a nearby river to overflow, flooding your home. With Acuity's Limited Inland Flood Coverage, you would be reimbursed for losses up to the endorsement limits for damage to your home's structure, personal property, removal of mold, and extra living expenses if you need to stay in a hotel while your home is repaired. (Note: the reimbursement is the limit minus the deductible.)

Why Choose Acuity?

Acuity is here for you when flooding strikes, with 24/7 customer service and prompt claim handling. This coverage provides peace of mind by protecting your home from unexpected flood damage. Click here to learn more.