Federal flood insurance policies are sold through private insurance agents and companies and are backed by the full faith and credit of the United States of America. Travelers is proud to work with the NFIP in providing this essential form of coverage. The NFIP definition of coverage does cover floods caused by hurricanes or overflow of rivers or tidal waters. However, two or more acres or two or more adjacent properties must be affected. The policy defines flooding as a general and temporary condition during which the surface of normally dry land is partially or completely inundated.
Wind driven rain is considered flooding.
Damage by wind driven rain is not covered under the NFIP policies, but is usually covered under homeowners policies such as those offered by Travelers as a windstorm peril. Top 10 Flood Insurance Questions or our Flood Safety Tips .