Flood Insurance covers direct physical loss caused by "flood". In simple terms, a flood is an excess of water on land that is normally dry.
UHCU Insurance Services, LLC. is a Credit Union Service Organization. Business conducted with UHCU Insurance Services, LLC. is separate and distinct from any business conducted with United Heritage Credit Union, its parent Credit Union. Insurance products offered by UHCU Insurance Services, LLC. are not (i) deposits of United Heritage Credit Union, its parent Credit Union or its partner Alloy Insurance Partners, therefore are not protected by the NCUA and are not exclusive to Credit Union members and (ii) an obligation of or guaranteed by UHCU Insurance Services, LLC., its parent Credit Union or its partner and may be subject to risk. Any insurance required as a condition of an extension of credit by United Heritage Credit Union need not be purchased from UHCU Insurance Services, LLC. and may be purchased from an agent or insurance company of the member’s choice.