Internal Flooding Vs. External: Why It Matters With Insurance

Protecting your home against flooding is crucial for preventing extensive water damage and mold growth, which can jeopardize both your property and health. While maintenance and preventive measures are essential, investing in flood insurance is equally important. However, understanding the different types of flooding—internal and external—is key to determining your insurance needs. Let’s explore the differences between internal flooding, external flooding, how they impact insurance, and how you can stay fully covered with the help of Five Star Insurance Agency in Fords, NJ.

Internal Flooding vs. External Flooding: Why Does It Matter?

Internal flooding typically occurs due to plumbing issues, such as a burst pipe. This type of flooding is often covered by your home insurance policy. For example, if a pipe bursts unexpectedly, your home insurance will usually cover the resulting water damage, meaning you don’t need additional coverage for these events.

External flooding, on the other hand, is caused by flood events in your area, such as heavy rainfall or rising water levels. Unlike internal flooding, home insurance does not cover external flooding. To protect your home from external flood damage, you’ll need a separate flood insurance policy. Understanding the distinction between these two types of flooding is essential for ensuring comprehensive coverage for your home.

Get Flood Insurance Today with Five Star Insurance Agency

Do you want to keep your home protected against all types of potential damage? Five Star Insurance Agency in Fords, NJ, is here to help you purchase additional coverage, like flood insurance, without the hassle. Contact us today or compare quotes to get started!