Does Homeowners Insurance Cover Flood Damage?
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersIf this question is referring to flood as in rising water then a homeowners policy will not cover flood damage. Only a flood policy will give you this coverage. If the so called flood was just a bursting pipe in the home then this type of loss would be covered by your homeowners policy.Answered on August 29, 2013flag this answer.png)
1844 POINTSview profileDavid W. ClausenChief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778Homeowners insurance does not cover damage from Flood. Actually it specifically excludes the peril "flood". Flood is defined as, "A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area from inland or tidal waters or unusual and rapid accumulation or runoff of surface waters from any source." A pipe burst is not considered a flood although your home may be "flooded" with water. A general rule is anytime water enters your basement form the outside of the home it is considered a "flood" unless it is from a water back up of a sewer or drain. Hope this answer helps you.Answered on May 24, 2016flag this answer
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