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Does homeowners insurance typically cover flood damage?

Yes, always
4%
In most cases
6%
In some cases
18%
No, never
70%
Question: Does homeowners insurance typically cover flood damage?
Top Answer (70% of 44 votes): No, never.

Answer: In some cases
Explanation: Only if you specifically have added it your policy as a 2nd policy. It is required in certain areas (think Coastal or near Rivers) and a good idea elsewhere. It is only good as it specifically relates to flooding. A separate coverage rider is needed to cover sewer backup, if the backup was not caused by the rising floodwaters. Home damage caused by an 'internal flood' ie: pipes bursting or sink/tub overflow is not a part of a 'Flood' policy.
Gallagher
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
ProMatcher
Answer: No, never
Explanation: Will need a separate flood policy
Full Service Personal Insurance Needs
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
ProMatcher
Answer: No, never
Explanation: Most flood insurance is a separate policy from your homeowner's policy.
Farmers Insurance-Chris Faverty Agency
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
ProMatcher
Answer: In most cases
Explanation: Only if the policy holder opted for flood coverage on their homeowners policy.
American Family Insurance - Lucas Dennis
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
ProMatcher
Answer: No, never
Explanation: True flood insurance is through the National Flood Insurance Commission, a division of FEMA. It's a government backed insurance policy, based on how close or far you live from a body of water that may damage more than two homes at one given time if it overflows. This is not to be confused with water or sewer damage, which IS an endorsement on a homeowners policy that covers internal water damage or sewer backup.
Lockhart's Insurance Services
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
ProMatcher
Answer: No, never
Explanation: This is a separate plan, sold by the Federal Government.
The Lewis Financial Group
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