Earthquake coverage is excluded in the standard Homeowners contract. Earthquake coverage can be purchased and added to your contract. While New England is not California we do have our share of earthquakes. Most recently, a 3.3 quake out of Plainfield Connecticut January 12, 2015, along with two other residual quakes could be felt in eastern CT and RI.
A 4.0 quake out of Maine on October 16, 2012 and a 5.8 out of Virginia on August 23, 2011,were felt here in the Pioneer Valley with minor damage reported close to the epicenter. If you experience damage from a quake, there will be no coverage unless earthquake coverage is purchased prior to the event.
Flood coverage is excluded in the standard Homeowners contract. Flood insurance can be purchased by a separate flood insurance policy and covers direct physical loss caused by “flood.” In simple terms, a flood is an excess of water on land that is normally dry. Here’s the official definition used by the National Flood Insurance Program. A flood is “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
- Overflow of inland or tidal waters;
- Unusual and rapid accumulation or runoff of surface waters from any source;
- Mudflow*; or Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”
*Mudflow is defined as “A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water…”
Did you know:? Almost everyone is in a flood zone!
Links you should know about….
- April 2015 Federal Law Change
- Flood Insurance Reform Act 2012, what should you know?
- Fact Sheet for the homeowner
- Rebuilding in non coastal zones
- Rebuilding in coastal zones
- Summary of the coverage
Tornado,Hurricane & Wind Coverage
Wind is a covered peril under the standard Homeowners policy. Wind damage caused by any kind of wind including straight-line winds, Tornado or hurricane winds is covered under the standard Homeowners policy. If your home is located on the coast a wind deductible may be applied.
Contact our office at 413-788-4531 or 1-800-501-2780 for more information.