{"id":262,"date":"2018-03-27T01:52:27","date_gmt":"2018-03-27T01:52:27","guid":{"rendered":"http:\/\/teagueins.wpengine.com\/?page_id=262"},"modified":"2026-04-27T22:39:24","modified_gmt":"2026-04-27T22:39:24","slug":"flood-insurance","status":"publish","type":"page","link":"https:\/\/www.teagueins.com\/es\/personal-insurance\/flood-insurance\/","title":{"rendered":"Seguro contra inundaci\u00f3n"},"content":{"rendered":"<p>Dado a que el seguro de vivienda est\u00e1ndar no cubre inundaciones, es importante contar con protecci\u00f3n contra inundaciones asociadas con huracanes, tormentas tropicales, lluvias intensas y otras condiciones que afectan a los EE. UU.<\/p>\n<p>En 1968, el congreso creo el Programa Nacional de Seguro contra Inundaciones (NFIP) para ayudar a proporcionar protecci\u00f3n financiara a propietarios. El NFIP ofrece seguro contra inundaci\u00f3n a propietarios de viviendas, inquilinos y due\u00f1os de negocios si su comunidad participa en el NFIP. Las comunidades participantes acuerdan adoptar y hacer cumplir las reglas que cumplan o superen los requisitos de FEMA para reducir el riesgo de inundaciones. Obt\u00e9n mas informaci\u00f3n sobre el NFIP y como puede ayudarte a protegerte.<\/p>\n<h2>Cobertura de seguro contra inundaci\u00f3n<\/h2>\n<p>El seguro contra inundaci\u00f3n protege dos tipos de propiedad: edificio y contenido. El primero cubre tu edificio (vivienda), el segundo cubre tus posesiones; ni una de estas dos cubre la tierra (el terreno que ocupas)<\/p>\n<h3>La cobertura del edificio incluye<\/h3>\n<ul>\n<li>El edificio y los cimientos<\/li>\n<li>El sistema el\u00e9ctrico y de plomer\u00eda<\/li>\n<li>Equipo de aire acondicionado central, calefacci\u00f3n central y calentadores de agua<\/li>\n<li>Refrigeradores, estufas y electrodom\u00e9sticos empotrados como lavaplatos<\/li>\n<li>Alfombra instalada.<\/li>\n<\/ul>\n<h3>La cobertura de contenido incluye<\/h3>\n<ul>\n<li>Ropa, muebles y equipos electr\u00f3nicos<\/li>\n<li>Cortinas<\/li>\n<li>Aire acondicionado port\u00e1til y de ventana<\/li>\n<li>Microondas y lavaplatos port\u00e1tiles<\/li>\n<li>Alfombras que a\u00fan no est\u00e9n incluidas en tu p\u00f3liza de propiedad<\/li>\n<li>Lavadoras y secadoras de ropa<\/li>\n<\/ul>\n<p>Los dos m\u00e9todos de reembolso mas comunes para reclamos por inundaci\u00f3n son: Valor de Costo de Reemplazo (RCV) y Valor Real en Efectivo (ACV).  RCV es el costo de reemplazar la propiedad da\u00f1ada. Es reembolsable a propietarios de residencias primarias aseguradas dentro del 80% del costo de reemplazo del edificio.<\/p>\n<p>Todos los dem\u00e1s edificios y propiedad personal (es decir, contenidos) se valoran en ACV, que es el valor de costo menos la depreciaci\u00f3n f\u00edsica. La propiedad personal siempre se valora con ACV.<\/p>\n<p>Informaci\u00f3n proporcionada por <a href=\"http:\/\/floodsmart.gov\" rel=\"noopener\" target=\"_blank\">floodsmart.gov<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Since standard home insurance doesn&#8217;t cover flooding, it&#8217;s important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":279,"parent":54,"menu_order":13,"comment_status":"closed","ping_status":"closed","template":"tpl-single-service.php","meta":{"_acf_changed":true,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-262","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Flood Insurance - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/es\/personal-insurance\/flood-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Flood Insurance\" \/>\n<meta property=\"og:description\" content=\"Since standard home insurance doesn&#8217;t cover flooding, it&#8217;s important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. 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