Does Homeowners Insurance Cover Flood Damage?
The direct answer: standard homeowners policies generally do not cover flooding from external rising water in the same way dedicated flood insurance does. Property owners should review their specific policy and flood exposure.
What 'External Rising Water' Means
Flooding from sources like overflowing rivers, storm surge or heavy rainfall that saturates the ground is typically considered external rising water. This is distinct from sudden internal water damage — like a burst pipe — which a homeowners policy may address depending on the policy.
Flood Insurance Options
A dedicated flood policy is designed to address rising-water exposure. Options can include:
- NFIP options where applicable
- Private flood insurance
- Building coverage
- Contents coverage
Availability Varies
Not every flood insurance option is available in every state or for every property. Waiting periods may apply. Insurance Connections Agency can help you discuss flood insurance options for your property.
Insurance disclaimer: This article is educational and general in nature. Actual coverage depends on the specific policy, its terms, conditions, limits and exclusions. Insurance Connections Agency is an independent agency; carrier availability and coverage vary by state and property.