DELAWARE INSURANCE DEPARTMENT - FLOOD INSURANCE

Home and business owners' insurance policies generally do not cover flood damage.  Consumers need to purchase a separate flood insurance policy in order to protect homes or businesses from flood damages.  There is at least a 30-day waiting period before coverage becomes effective.  Consumers will need to consider two separate flood policies:  one covering damages sustained to the structure, and one covering damages sustained to the contents.

Flood insurance can be purchased from your local insurance agent or by contacting the National Flood Insurance Plan at 1-800-427-4661.

Consumers with flood claim questions should contact the National Flood Insurance Plan Claims Office at 1-800-638-6620.