Thank You for visiting We are manufacturers of bespoke radiator and air conditioner covers. Ugly radiators and air condition units are a negative distraction for many home owners. Many of them could not find that perfect solution. It was both a surprise and a bonus for many clients to find a New York company supplying & installing wood finished radiator heat and air conditioner covers.Floodsmart.gov The official site of the National Flood Insurance Program Call toll free: 1-888-379-9531 or have us call you Flood insurance policies cover physical damage to your property and possessions. Use the following list as a general guide to what is and isn't covered, or simply refer to the to better understand your policy and coverage. The insured building and its foundation. Electrical and plumbing systems. Central air-conditioning equipment, furnaces, and water heaters. Refrigerators, cooking stoves, and built-in appliances such as dishwashers. Permanently installed carpeting over unfinished flooring.

Permanently installed paneling, wallboard, bookcases, and cabinets. Detached garages (up to 10 percent of building property coverage; other than garages, detached buildings require a separate building property policy). Personal belongings, such as clothing, furniture, and electronic equipment. Portable and window air-conditioners. Portable microwave ovens and portable dishwashers. Carpets that are not included in building coverage. Clothing washers and dryers. Food freezers and the food in them. Certain valuable items such as original artwork and furs (up to $2,500). Damage caused by moisture, mildew, or mold that could have been avoided by the property owner. Currency, precious metals, and valuable papers such as stock certificates. Property and belongings outside of an insured building, such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools. Living expenses, such as temporary housing.

Financial losses caused by business interruption or loss of use of insured property. Most self-propelled vehicles, such as cars, including their parts (see Section IV.5 in your policy).air handling unit sizing software Coverage is limited in basements regardless of zone or date of construction.moving an air conditioning unit It's also limited in areas below the lowest elevated floor, depending on the flood zone and date of construction.indoor wall air conditioning units Crawl spaces under an elevated building. Enclosed areas beneath buildings elevated on full-story foundation walls that are sometimes referred to as "walkout basements." Enclosed areas under other types of elevated buildings.

Ask your agent for details on your basement coverage. Questions for Your Agent A lot of things determine which policy is best for you, so if you have questions, now's the time to ask. Understand the essentials of flood insurance. What's My Flood Risk? Visit FEMA's Flood Map Service Center to locate your flood map to help determine your flood risk. 500 C Street SW, Washington, D.C. 20472 Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585 U.S. Department of Homeland SecurityTo understand what flood insurance covers, you need to know three things first:1. Standard homeowners insurance doesn’t cover flood damage at all. It’ll cover some damage from rain, but if your home is filled with water as a result of rising bodies of lakes, rivers, streams, and oceans, it won’t cover you.2. The most common flood insurance is offered through the federally regulated program known as the National Flood Insurance Program (NFIP). It has two policies:One that covers your actual home (building property) up to $250,000One that covers your personal property up to $100,000You can buy one or both.

Related: What happens if you need more than $250,000 worth of coverage? You need to get excess flood insurance, which is only offered by private companies, not the Feds.3. You might have to buy it. If you’re taking out a mortgage on a property that’s in a high-risk zone (also called a Special Hazard Flood Area), your lender will require you to buy a policy in order to get the loan. If you just want to buy policy, you have to make sure your community participates in the national flood program. Flooding affects every state, so you’re probably eligible.Related:Should You Buy Flood Insurance?What the Federal Flood Insurance Program CoversNFIP’s building property policy covers the cost to rebuild or the actual value of your home (whichever is less). That includes:Your home and its foundationElectrical and plumbing systemsHVAC equipment like air conditioning, furnaces, and water heatersKitchen appliances, including your refrigerator, stove, and built-ins such as your dishwasherPermanently installed carpeting over an unfinished floorPermanently installed wallboard, paneling, bookcases, and cabinetsWindow blindsDetached garages (limited to 10% of your home policy)Debris removalWater heaterThe NFIP policy that covers your personal property will cover stuff like

: Clothing, furniture, and electronic equipmentCurtainsWindow AC unitsPortable microwaves and dishwashersCarpets not covered by your building policyWasher/dryersYour freezer and frozen foodUp to $2,500 in valuables, such as art and fursNote: Personal possessions claims are paid based on actual cash value — not what you paid for them.What Isn’t CoveredTypically, if it belongs in a bank or safe deposit box, it’s not covered:Precious metalsStock certificatesBearer bondsCashOther items not covered:TreesPlantsWellsSeptic systemsWalkwaysDecksPatiosFencesHot tubsSwimming poolsRetaining wallsStorm sheltersTemporary housing and other living expensesLoss of incomeCarsPost-flood mold damage (more about insurance and mold here)Sewer backupsCoverage is Limited for BasementsIf you have a basement, you’ll have more risk because the NFIP limits coverage for basements, crawlspaces, or any living space where the floor is below ground level. Even a walkout basement won’t be covered for:BookcasesWindow treatmentsCarpeting, tile, and other floor coveringsSome drywall, depending on how far below ground level it isPanelingWalls and ceilings not made of drywallMost personal property such as clothing, electronic equipment, kitchen supplies, and furnitureThere’s a Limit to How Often You Can CollectIf you make four or more flood claims for more than $5,000 each

, or two claims that, added together, cost more than your home, NFIP will “offer” you a grant to make your home less vulnerable to floods. If you refuse to take the grant money and make the improvements, your policy payments will probably increase substantially.If a Flood Severely Damages Your HomeNFIP may give you $30,000 to use to raise, tear down, or move your home. That $30,000 gets added on to any other claim NFIP pays you. But the total still can’t go above $250,000.How Much Does It Cost?The average cost is about $600 for a one-year premium; your insurance company, which issues the policy, can give you a quote. Ultimately, the amount depends on such factors as the amount of coverage, deductible, the risk level of your flood zone, and the age of the building. More About What Qualifies as a FloodAs mentioned earlier, regular homeowners insurance doesn’t cover floods. So when is damage considered to be caused by a flood?Water has to cover at least 2 acres of land that’s normally dry, or has to have damaged two or more properties (one being your home).