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Does homeowners insurance typically cover flood damage?

Yes, always
In most cases
In some cases
No, never
Question: Does homeowners insurance typically cover flood damage?
Top Answer (71% of 42 votes): No, never.

Answer: Yes, always
Explanation: Always
Belocura Cabinetry
Answer: No, never
Explanation: You need a seperate policy for flooding; however, if you add the Water/Sewer Backup Endorsement to your homeowners policy, it will pay for any damage incurred due to water coming out of the sewer or sump pump.
Rite Choice Insurance
Answer: No, never
Explanation: Not home owners insurance on its own. You would need a flood policy IN ADDITION to a home owners policy.
Faverty Insurance Agency
Answer: No, never
Explanation: Flood Insurance is separate coverage only in areas that are designated as flood zones
Liberty Mutual Insurance
Answer: In some cases
Explanation: Unendorsed homeowners insurance policies rarely, if ever, cover flood damage. Flood insurance is a completely different type of insurance policy, and is typically only offered via the federal government (although serviced by most major carriers). Many homeowners insurance policies specifically exclude flood damage. However, if the proximate cause is a covered loss which results in flood damage, the resulting damage may be covered.
Mutual of Omaha
Answer: In most cases
Explanation: In the State of Florida some homeowners insurance policy have exclusions for water damage.
Certified Inspectors, LLC
Answer: In some cases
Explanation: In some cases a secondary policy to cover flood damage is needed.
Extreme Extraction and Decontamination llc
Answer: No, never
Explanation: A “Flood” is defined as a general and temporary condition of complete or partial inundation of normally dry land area by surface water, and the surface water can be from any source. In order for damage from the “flood” to be considered under the flood policy, the flood needs to be “a general condition” which means that it must affect two or more properties (one of which is yours) or if it is confined to just your property, it must cover two or more acres of land. Homeowners insurance excludes damage cause by floods.
State Farm Insurance
Answer: In some cases
Explanation: Only if, you have add it to your homeowners policy as an endorsement.
Farmers Insurance
Answer: In some cases
Explanation: You have to buy Flood Coverage separate from your Homeowner Policy
Ryan Card Insurance Agency
Answer: No, never
Explanation: Your homeowners policy will cover fire, wind, and theft. Flood is a separate exposure that you will need a separate policy for.
John B Wright Insurance
Answer: No, never
Explanation: Flood insurance is never covered on home insurance and is offered separately the Federal government. Although most people that buy flood insurance are required to because they live in specific flood zones and the mortgage company requires it, anyone can buy flood insurance as a supplement. Optional sump pump, sewer backup is available from most companies for that type of flooding only.
Answer: No, never
Explanation: Home insurance never covers flood damage. In order for flood damage coverage to be considered, the insured must have purchased a flood insurance policy through FEMA.
Hannah Swanson State Farm Insurance
Answer: No, never
Explanation: Flood damage is covered by a separate policy that is underwritten by FEMA. MOST Home insurance policy now exclude Flood Damage.
Fisher Family & Associates, Allstate Insurance
Answer: No, never
Explanation: Flood insurance is a separate line of coverage from homeowners insurance. Flood insurance can be purchased through a national program or a private carrier.
G.L. Anderson Insurance Services, Inc
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