Are You Sure You’re Covered? Flood Insurance on the East Coast.

We understand the importance of safeguarding your home and valuables from the devastating effects of water damage. Whether it’s from a burst pipe, heavy rains, or flooding, water can cause extensive damage and financial losses.

Recently, many home owners in Nova Scotia and Atlantic Canada have experienced massive rain storms and flooding like never before. Unfortunately, many home owners have also realized at the same time that their insurance companies do not cover flood damage.

At Cluett Insurance, we’re going to be the ones making sure that you have all the coverage you need, not the company trying to fit you inside of our box.

Reach out and see what Flood Insurance is like at Cluett.

Find out how you can best protect your Home and Belongings from Water Damage by reaching out to us.

LP - Flood Insurance

The difference between Water Damage Insurance and Flood Insurance.

Water Damage Insurance

Water damage insurance is a type of insurance coverage that may be included in a homeowner’s insurance policy or purchased separately. It is designed to protect your home and personal belongings from damage caused by water-related events, such as:

  • Overflowing sinks, toilets, or bathtubs
  • Leaking pipes
  • Appliance malfunctions
  • Roof leaks
  • Water damage from storms

Water damage insurance typically covers the cost of repairing or replacing damaged property and may also cover additional living expenses if you need to temporarily relocate while repairs are being made.

Flood Insurance

Flood insurance, on the other hand, is specifically designed to protect against damage caused by floods. Floods are defined as an overflow of water from a natural source, such as a river, lake, or ocean, or from a man-made source, such as a dam. Flood insurance is typically not included in a standard homeowner’s insurance policy and must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurance company.

Flood insurance typically covers the cost of repairing or replacing damaged property, including the structure of your home, as well as the contents of your home. It may also cover additional living expenses if you need to relocate while repairs are being made.


What you should know about Flood Insurance.

Flood insurance is not typically included in standard homeowner’s insurance policies. This means that if your home is damaged by a flood, you will likely be responsible for the repairs and replacement costs out of pocket

Flood insurance does not cover all types of water damage. For example, flood insurance will not cover water damage that is caused by a sewer backup or by a broken pipe.

Flood insurance is not available in all areas. If you live in a high-risk flood zone, you may not be able to purchase flood insurance from certain insurance companies.

Don’t find out your Water Damage Insurance and Flood Insurance isn’t enough after it rains.

Reach out and find out everything you need to know about protecting your home from water.

Do I Need Flood Insurance?

Even if you live in a low-risk flood zone, it’s important to consider flood insurance. Floods can occur anywhere, and they can cause significant damage to homes and personal belongings. Without flood insurance, you may be left with substantial financial losses in case of a flood.

What Flood Insurance with Cluett might look like

At Cluett Insurance, we offer comprehensive flood insurance policies that provide you with the protection you need. Our flood insurance options are designed to cover the costs of repairing or rebuilding your home, as well as replacing your personal belongings.

Reach out for more information

If you’re looking for reliable water damage insurance or flood insurance, contact us today. Our team of experts is here to answer your questions, provide you with a free quote, and help you find the right coverage for your needs. Don’t let water damage put your home and valuables at risk. Protect what matters most with our comprehensive insurance solutions.


Please contact our office to speak with a representative at 1-866-466-9660