If my basement floods from heavy rain or melted snow, am I covered?

Homeowners insurance policies do not provide coverage for ground water seepage (i.e. flooding). The risk of flood damage can be mitigated through a Flood insurance policy. Flood coverage may be purchased through the National Flood Insurance Program (NFIP), or via a private Flood insurance carrier.

Montlake Insurance Group (MIG) recommends that a Flood policy be purchased through a private carrier, as more favorable coverage limits are available, in comparison with the NFIP. MIG provides Flood coverage through a private carrier in order to best assist its clients.