If you do not live near the coast or along a river or creek, you may wrongly assume you are safe from flood water. But about 25 percent of all flood insurance claims last year come from areas with moderate to low risk of flooding, according to the National Flood Insurance Program. Standard home insurance usually does not cover flood damage.
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He won’t be able to transfer the existing policy to you. You’ll need to buy your own home insurance policy. You could call up the same company he uses to get a quote, but this is a good time to shop around to compare prices among insurers...
Sounds like you’ve put the cart before the horse here. You need to have an insurance policy in effect at the time of the damage or injury in order to have the claim paid...
