Surface water and flood damage to residential property has become increasingly prevalent, even in low-to-moderate flood zones. This is the result of increasing levels of annual rain and snowfall, as well as run-off caused by new construction developments.

Fireman's Fund addresses the growing need for homeowners coverage in this area with a comprehensive endorsement to our Prestige Home Premier policy.

Our Surface Water/Flood Damage endorsement includes:

1. High coverage limits -- these can go as high as the limits on your Prestige Home Premier policy
2. Broader coverages than provided by the National Flood Insurance Program and other carriers
3. Coverage for finished basements and other structures (detached garages, guest houses, boat houses, gazebos, etc.)
4. Reimbursement up to $10,000 for loss avoidance supplies and labor (such as sandbags)
5. Business property loss limits to $10,000 
6. Seamless claims handling -- which is especially helpful when a single event causes multiple types of damage to your home. You also don't have to pay out-of-pocket for repairs and then submit receipts for reimbursement, as the NIFP and certain other carriers require.

Is your home at risk for flooding? Try the >interactive flood risk scenarios from the Federal Emergency Management Agency (FEMA).