Ground water is typically not covered on any homeowners or renters policy. A separate flood insurance policy would be necessary to cover any ground water entering the home. FEMA provides flood insurance coverage.
If the flooding is a result of a burst pipe or sewer/drain backup a properly endorsed policy would provide coverage.
My response to that question would be a little different.
Most homeowner and tenant-homeowner (Renter) type policies may cover certain types of damage to your property but most if not all will include a Water Damage” exclusion. That exclusion says, in so many words, we don’t cover you for a loss caused directly or indirectly by water damage. Then it defines water damage to include flood, surface water, overflow of a body of water, back up of sewers or drains, water which seeps or leaks through a foundation and a few other things. So I guess it would be fair to say if water is on the ground and somehow it gets into your home and causes damage, chances are pretty good your homeowner’s coverage will not cover it.
It’s also true; you can purchase a separate government supported Flood insurance policy. But that Flood policy will only cover you for certain types of water damage. Flood policies define a flood only to mean an “inundation of two or more acres of normally dry land or two or more properties”, one of which is yours. So even if you have homeowners’ and flood insurance, there will still be certain types of water damage you won’t be covered for.
I support homeowners considering the purchase of flood insurance. Just make sure you know what this coverage is or is not going to do for you. It’s not going to cover you for all types of ground water entering your home.
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If the flooding is a result of a burst pipe or sewer/drain backup a properly endorsed policy would provide coverage.
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My response to that question would be a little different.
Most homeowner and tenant-homeowner (Renter) type policies may cover certain types of damage to your property but most if not all will include a Water Damage” exclusion. That exclusion says, in so many words, we don’t cover you for a loss caused directly or indirectly by water damage. Then it defines water damage to include flood, surface water, overflow of a body of water, back up of sewers or drains, water which seeps or leaks through a foundation and a few other things. So I guess it would be fair to say if water is on the ground and somehow it gets into your home and causes damage, chances are pretty good your homeowner’s coverage will not cover it.
It’s also true; you can purchase a separate government supported Flood insurance policy. But that Flood policy will only cover you for certain types of water damage. Flood policies define a flood only to mean an “inundation of two or more acres of normally dry land or two or more properties”, one of which is yours. So even if you have homeowners’ and flood insurance, there will still be certain types of water damage you won’t be covered for.
I support homeowners considering the purchase of flood insurance. Just make sure you know what this coverage is or is not going to do for you. It’s not going to cover you for all types of ground water entering your home.