Do I Need Flood Insurance? (Loveland, CO)

When reviewing your home insurance policy, it’s important not only to understand what is covered — but also what isn’t. One of the most common exclusions found on nearly every property insurance policy, from every agency, is flood damage.

What Is (and Isn’t) Considered a Flood?

Homeowners often use the word “flood” loosely — for example, when a pipe bursts and water damages the basement. While that situation involves water, it’s not considered a “flood” by insurance standards. That type of damage is usually covered under your homeowners insurance because it originates from within your plumbing system.

However, flood insurance refers to protection against water that comes from outside your home and meets the federal definition of a flood:

Two or more acres of normally dry land, or two or more adjacent properties, being inundated by water from any source.

That source could be heavy rainfall, a rising river, melting snow, or even a broken water main. If that water enters your home, your homeowners policy likely won’t cover the damage.

How The Weedin Agency Can Help

At The Weedin Agency, we can help you explore several options for flood insurance in Colorado, including:

National Flood Insurance Program (NFIP) policies — ideal for properties in higher-risk flood zones.

Private flood insurance markets — often with broader coverage or shorter waiting periods.

Inland flood endorsements — great for homes in moderate- or low-risk areas, typically starting at just a few hundred dollars a year.

Keep in mind: flood insurance usually has a 30-day waiting period before it becomes active. So don’t wait until a storm is on the horizon — plan ahead to protect your home and peace of mind.

📞 We’d be happy to review your flood insurance options!

Call (970) 667-2145 or visit weedinagency.com