Flood Insurance
This insurance protects against damages caused by flooding as a result of the overflow of bodies of water, storm surges, mudslides, among others.
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Coverages
- Flood insurance
Damages caused by floods are excluded in most homeowner and business policies.
That is why, for those who reside in areas susceptible to floods, it is necessary to have financial protection against such loss. Because waters displace for miles, we are not exempt from floods even if our property is not close to bodies of water.
MAPFRE offers a Flood Insurance Policy that provides coverage for losses to your home as a result of flooding.
You may select coverage for the structure of your property, its content, or both coverages combined.
MAPFRE is the largest provider of Flood Insurance on the Island.
This Insurance product is not affiliated with the National Flood Insurance Program.
FAQ
What is Flood Insurance?
Flood insurance protects against damages caused by flooding as a result of the overflow of bodies of water, storm surges, mudslides, among others.
Are flood damage included in the home insurance?
Damages caused by floods are excluded in most homeowner and business policies.
What are the advantages of contracting flood insurance with MAPFRE?
Taking out your flood insurance policy with MAPFRE has the following advantages:
- Access to a phone service in Puerto Rico that is specialized in assisting your needs and claims. Available 24/7.
- A large number of offices throughout Puerto Rico to process your needs and claims in person.
- Mis Seguros mobile app you can have all the services you need at your fingertips.
- Benefits of the structure’s property coverage.
- Benefits of the emergency assistance for fixed plumbing.
Benefits and Advantages
MAPFRE insurances offer you a wide range of advantages to protect your property and provide peace of mind to you and your family.
- The Flood insurance is a policy designed to provide full protection facing a flooding in your home.
- All policyholders have access to the most modern telephone office in Puerto Rico, MAPFRE Contact Center. It is a specialized service that meets the needs of our customers and claimants.
Your Flood Insurance offers you the following benefits:
Benefits of the structure’s property coverage
Direct physical loss caused by a flooding in the dwelling described in the policy is indemnified.
Benefits of the personal property coverage
By subscribing this coverage, direct physical loss of personal property inside the house due to flooding is covered.
Benefits of the vandalism or malicious damage coverage
Costs are covered for losses caused by vandalism while the property is flooded.
Benefits of the loss prevention coverage
We pay up to $1,000 for reasonable expenses incurred by moving insured property to another location to protect it from flooding or flood hazard.
Benefits of the emergency assistance for fixed plumbing
Emergency assistance is included, provided that the insured home has a fixed plumbing emergency located within the structure.
General Conditions
The General Conditions of any insurance are aimed at detailing the terms of coverages and their content.
- The Flood Insurance provides protection to the insured against inundations. This cover is not usually included in standard home insurances. The policy is particularly suitable for those homes susceptible to flooding.
- The policy includes an interesting emergency assistance coverage for fixed plumbing problems of the dwelling.
Requirements and Restrictions
This insurance has certain requirements and exclusions that the policyholder must consider in order to know better their rights and obligations when hiring it.
For purposes of this policy, we consider housing that whole structure designed for use as a residence for no more than four families, or a single-family unit in a structure under a condominium ownership.
We also consider as a flood the overflow of water from the interior of the earth or tide, the unusual accumulation of surface water from any source, and mud runoffs.
- Coverage is not provided for personal property that is not within a fully enclosed structure.
- We will not provide cover for properties on water as houseboats.
- Coverage is not provided for the ground, land values, grass, trees, shrubs and plants, growing crops or animals.
- Containers, including tanks containing gases or liquids, are not included in the policy.
- Railings, retaining walls, docks, piers, jetties, ports and bridges are excluded from the coverage.
- Jacuzzi and spas, that are not fixed bath accessories, are not included in the policy.
- Pools and equipment, such as heaters, filters, pumps and pipelines are not included in the policy.
- We will not provide cover for notes, coins, currency, deeds, medals, money or values.
Recommendations for use
MAPFRE recommends the policyholder, in order to receive benefits of all the guarantees of the policy, to consider some relevant aspects before and after contracting it:
- Read carefully the clauses and the special provisions of each coverage.
Once contracted the Flood policy:
- This policy is void in any case of fraud on the information provided in the application forms or when filing a claim.
- It is useful to know the clauses, limits and policy requirements to act accurately if you need to make a claim.
- Documents related to the policy need to be located in a suitable place.
- In case of a loss, you must notify us in writing without delay.
- In case of loss, you must make an inventory of the damaged property proving the quantity, description, actual cash value and the amount of loss.
- You can cancel this policy at any time by returning it to us or communicating in writing the date when the cancellation will be effective.
- MAPFRE has no obligation to process those claims not included in the general and special conditions of the policy.
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