Flood Insurance and Dock Protection: What Owners Should Understand

Let's see if you're taken care of when it comes to your dock.

We've previously covered a common question we get from insurance agents and property owners on how wells can be covered and not covered by flood insurance policies. Now, let's talk about another common question we get, but this time from the coasts: "Is my dock included in my flood insurance coverage?"

Dock Coverage?

Quick answer, no. Docks aren't covered by policies from both the National Flood Insurance Program and private insurance companies since this is a structure that's built above water. Basically any structure that's build directly over water isn't considered in your policy. There might be some exclusions for private companies, but it's a no guarantee. Flood insurance policy will still provide coverage for the damages to your building or property damage, and contents when you file a claim for your lake house and cabin if they're inundated by flood damage be it from disasters like hurricanes, storm surge, and heavy rainfall. 

There are insurance companies who offer standalone policies with their homeowners insurance policy for boat docks or even boat insurance if it were damaged by waves, hurricanes, or storm surge from a natural disaster. However, when it comes to flood insurance it's most likely that you won't get coverage from your insurance company, be it the NFIP or private market, for your docks.

As an owner, it's best that you look check with your insurance agent and insurance carrier to know more on how these type of structures can be covered, but you can expect that insurers is most likely to ask you to write boat docks as a separate policy.

Remember, we have an educational background in flood mitigation, so if you have questions on what things are covered by your policy, which insurance company is best for you, or anything about flood, let us know by clicking on our links below. We want to help you mitigate your property long term, so that you're prepared when crap happens.